Madison County, KY Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 4,643 mortgage applications in Madison County, KY totaling $1.1 billion, up 15% from 2024. The average application was for $229,000, and applicants reported an average income of $108,000. 53% of applications resulted in an originated loan and 15% were denied. The most active lender was Ark-La-Tex Financial Services LLC, with 201 applications, followed by US Bank, N.A. and PennyMac Loan Services LLC.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 4,643
Total Mortgage Loan Application Amount $1,066,835,000
Average Mortgage Loan Application Amount $229,000
Highest Mortgage Loan Application Amount $24,005,000
Average Applicant Income $108,000
Highest Applicant Income $1,862,000

Mortgage Company List for Lending in Madison County, KY for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ n/a 201 $ 46,955,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 197 $ 29,485,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 196 $ 52,320,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 186 $ 48,640,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 184 $ 20,660,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ n/a 163 $ 34,965,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ n/a 153 $ 26,735,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ n/a 145 $ 34,855,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 123 $ 13,765,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 118 $ 32,390,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 116 $ 33,010,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 103 $ 12,605,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 99 $ 27,835,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ n/a 94 $ 19,760,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 92 $ 22,920,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 91 $ 19,995,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 88 $ 11,770,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ n/a 84 $ 16,010,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 84 $ 21,730,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 82 $ 23,230,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ n/a 79 $ 17,365,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ n/a 74 $ 9,780,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 72 $ 10,320,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ n/a 57 $ 16,545,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 54 $ 15,160,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 54 $ 11,900,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 41 $ 12,375,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ n/a 38 $ 9,810,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 38 $ 2,110,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 35 $ 7,795,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 34 $ 9,980,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 34 $ 9,910,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 33 $ 5,835,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 29 $ 4,985,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ n/a 28 $ 7,650,000
Luminate Bank
2523 SOUTH WAYZATA BOULEVARD SUITE 100
MINNEAPOLIS, MN 55405
* $ n/a 27 $ 7,025,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 27 $ 4,255,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ n/a 27 $ 6,005,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 25 $ 1,695,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 24 $ 4,560,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ n/a 22 $ 1,420,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ n/a 22 $ 6,060,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 22 $ 5,540,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 22 $ 6,240,000
DHI Mortgage Company, Ltd.
10700 PECAN PARK BLVD, SUITE 450
AUSTIN, TX 78750
* $ n/a 21 $ 6,035,000
Park Lane Finance Solutionsllc
1228 CEDARS CT STE 201
CHARLOTTESVILLE, VA 22903
* $ n/a 21 $ 1,315,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 21 $ 1,265,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ n/a 21 $ 5,845,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 21 $ 1,145,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 20 $ 3,730,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 19 $ 3,135,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 19 $ 6,085,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ n/a 18 $ 4,010,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 17 $ 3,765,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 17 $ 2,435,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ n/a 16 $ 28,290,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 15 $ 3,335,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 15 $ 4,655,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ n/a 14 $ 1,760,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ n/a 14 $ 2,800,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 13 $ 2,295,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 13 $ 3,845,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ n/a 13 $ 3,595,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ n/a 13 $ 3,095,000
Bank of Lexington
761 CORPORATE DRIVE
LEXINGTON, KY 40503
* $ n/a 13 $ 3,685,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ n/a 12 $ 3,220,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 12 $ 2,540,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 12 $ 2,840,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ n/a 12 $ 2,320,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ n/a 11 $ 2,585,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 11 $ 2,785,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 11 $ 2,815,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 10 $ 2,980,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 10 $ 2,930,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 10 $ 2,680,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 9 $ 1,425,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 9 $ 1,995,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 9 $ 2,605,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ n/a 9 $ 3,315,000
Bank of the Bluegrass & Trust Co.
101 EAST HIGH STREET
LEXINGTON, KY 40507
* $ n/a 9 $ 6,725,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ n/a 8 $ 14,610,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ n/a 8 $ 1,680,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ n/a 8 $ 1,080,000
Zippy Loans, LLC
2807 ALLEN ST
DALLAS, TX 75204
* $ n/a 8 $ 370,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 7 $ 1,885,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ n/a 7 $ 2,465,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 7 $ 2,055,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 7 $ 1,095,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ n/a 7 $ 2,175,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ n/a 6 $ 1,080,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ n/a 6 $ 1,180,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 6 $ 1,940,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 6 $ 1,670,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 6 $ 1,910,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 5 $ 255,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 5 $ 1,135,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 5 $ 1,715,000
The Citizens National Bank of Somerset
44 PUBLIC SQ, PO BOX 760
SOMERSET, KY 42502
* $ n/a 5 $ 8,115,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 5 $ 1,015,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ n/a 5 $ 1,615,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 5 $ 835,000
Deephaven Mortgage LLC
3530 TORINGDON WAY #200
CHARLOTTE, NC 28277
* $ n/a 4 $ 1,080,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ n/a 4 $ 680,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 4 $ 860,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ n/a 4 $ 1,160,000
Change Lending
175 N. RIVERVIEW DRIVE SUITE C
ANAHEIM, CA 92808
* $ n/a 4 $ 870,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ n/a 4 $ 400,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 1,080,000
Pike Creek Mortgage Services, Inc.
2100 DRUMMOND PLAZA
NEWARK, DE 19711
* $ n/a 4 $ 1,660,000
Field & Main Bank
140 N. MAIN ST.
HENDERSON, KY 42420
* $ n/a 4 $ 2,010,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 4 $ 1,380,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ n/a 4 $ 1,420,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ n/a 4 $ 650,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 4 $ 1,020,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 4 $ 960,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 4 $ 550,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ n/a 4 $ 430,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 3 $ 815,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 3 $ 925,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 415,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 765,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 3 $ 135,000
Bay Equity LLC

DETROIT, MI 48226
* $ n/a 3 $ 605,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 3 $ 685,000
Members Choice Credit Union
145 RUSSELL RD
ASHLAND, KY 41101
* $ n/a 3 $ 445,000
Central Kentucky Agricultural
640 S BROADWAY
LEXINGTON, KY 40544
* $ n/a 3 $ 955,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 3 $ 955,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ n/a 3 $ 735,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 3 $ 1,125,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 3 $ 645,000
Hometown Equity Mortgage, LLC
25531 COMMERCENTRE DRIVE SUITE 250
LAKE FOREST, CA 92630
* $ n/a 3 $ 1,405,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 3 $ 1,045,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 3 $ 385,000
First National Bank of Pa
1 FNB BOULEVARD
HERMITAGE, PA 16148
* $ n/a 3 $ 895,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 3 $ 805,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 3 $ 1,445,000
The Home Savings and Loan Company of Kenton, Ohio

KENTON, OH 43326
* $ n/a 3 $ 2,075,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 2 $ 380,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 2 $ 530,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 2 $ 380,000
Self Help Credit Union
301 W MAIN STREET
DURHAM, NC 27702
* $ n/a 2 $ 530,000
Genway Home Mortgage, Inc.
3211 INTERNET BOULEVARD, SUITE 300
FRISCO, TX 75034
* $ n/a 2 $ 1,170,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ n/a 2 $ 1,660,000
The Mortgage Firm
921 DOUGLAS AVENUE, SUITE 200
ALTAMONTE SPRINGS, FL 32714
* $ n/a 2 $ 540,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 2 $ 210,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 370,000
Communityamerica Federal Credit Union
9777 RIDGE DR
LENEXA, KS 66219
* $ n/a 2 $ 210,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ n/a 2 $ 520,000
Leader Bank NA
141 MASSACHUSETTS AVENUE
ARLINGTON, MA 02474
* $ n/a 2 $ 1,030,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 2 $ 980,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 2 $ 960,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 2 $ 280,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 780,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ n/a 2 $ 290,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 2 $ 320,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 2 $ 240,000
Canopy Mortgage, LLC
360 TECHNOLOGY COURT STE. 200
LINDON, UT 84003
* $ n/a 2 $ 550,000
Interlinc Mortgage Services, LLC
10613 W. SAM HOUSTON PKWY N. SUITE 200
HOUSTON, TX 77086
* $ n/a 2 $ 420,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 2 $ 560,000
Servbank, N.A.
3201 ORCHARD RD
OSWEGO, IL 60543
* $ n/a 2 $ 570,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 2 $ 560,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 2 $ 460,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ n/a 2 $ 600,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 730,000
Wilson & Muir Bank & Trust Company
107 N THIRD ST
BARDSTOWN, KY 40004
* $ n/a 2 $ 420,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 2 $ 470,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ n/a 2 $ 630,000
Sage Home Loans Corporation
1423 RED VENTURES DRIVE SUITE 201
FORT MILL, SC 29707
* $ n/a 2 $ 1,090,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 2 $ 220,000
Homestead Funding Corp.
8 AIRLINE DRIVE
ALBANY, NY 12205
* $ n/a 2 $ 780,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ n/a 2 $ 470,000
Texana Bank
124 E RUSH ST
LINDEN, TX 75563
* $ n/a 2 $ 520,000
Synergy One Lending, Inc.
3131 CAMINO DEL RIO N. SUITE 150
SAN DIEGO, CA 92101
* $ n/a 2 $ 300,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 455,000
Dominion Financial Services, LLC
1029 N CALVERT ST
BALTIMORE, MD 21202
* $ n/a 1 $ 245,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 195,000
Commercial Bank
6710 CUMBERLAND GAP PARKWAY, PO BOX 400
HARROGATE, TN 37752
* $ n/a 1 $ 235,000
NBKC Bank
8320 WARD PARKWAY
KANSAS CITY, MO 64114
* $ n/a 1 $ 405,000
Delmar Financial Company
1066 EXECUTIVE PARKWAY SUITE 100
ST LOUIS, MO 63141
* $ n/a 1 $ 215,000
Kinecta Federal Credit Union
1440 ROSECRANS AVE
MANHATTAN BEACH, CA 90266
* $ n/a 1 $ 125,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ n/a 1 $ 105,000
Publix Employees Federal Credit Union
3005 NEW TAMPA HWY
LAKELAND, FL 33802
* $ n/a 1 $ 205,000
Bank of Whittier, NA
15141 E WHITTIER BLVD
WHITTIER, CA 90603
* $ n/a 1 $ 325,000
Sirva Mortgage, Inc.
6200 OAK TREE BLVD STE 300
SEVEN HILLS, OH 44131
* $ n/a 1 $ 265,000
Cedar Rapids Bank and Trust
500 1ST AVENUE NE SUITE 100
CEDAR RAPIDS, IA 52401
* $ n/a 1 $ 4,555,000
Community State Bank
817 N ANKENY BLVD
ANKENY, IA 50023
* $ n/a 1 $ 4,555,000
The Health and Education Federal Credit Union
185 PASADENA DR #155
LEXINGTON, KY 40511
* $ n/a 1 $ 35,000
American Heritage Lending, LLC
19800 MACARTHUR BLVD SUITE 950
IRVINE, CA 92612
* $ n/a 1 $ 175,000
City 1st Mortgage Services, Lc
750 S. MAIN SUITE 104
BOUNTIFUL, UT 84010
* $ n/a 1 $ 285,000
New Wave Lending Group Inc
17700 CASTLETON ST. #268
CITY OF INDUSTRY, CA 91748
* $ n/a 1 $ 485,000
Ez Fundings Inc
8577 HAVEN AVE SUITE 201
RANCHO CUCAMONGA, CA 91730
* $ n/a 1 $ 355,000
Kentucky Farmers Bank Corporation
6313 US RT 60
ASHLAND, KY 41102
* $ n/a 1 $ 235,000
Burke & Herbert Bk & Tr Co
100 S. FAIRFAX ST
ALEXANDRIA, VA 22315
* $ n/a 1 $ 115,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 175,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 325,000
Nqm Funding, LLC
E, 4800 N FEDERAL HWY #200
BOCA RATON, FL 33431
* $ n/a 1 $ 175,000
First State Bank of the Southeast

OAK RIDGE, TN 37830
* $ n/a 1 $ 725,000
Bayshore Mortgage Funding
1920 GREENSPRING DRIVE, SUITE 140
TIMONIUM, MD 21093
* $ n/a 1 $ 205,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ n/a 1 $ 245,000
Civista Bank
100 EAST WATER ST
SANDUSKY, OH 44870
* $ n/a 1 $ 225,000
Angel Oak Mortgage Solutions LLC
980 HAMMOND DRIVE, SUITE 850
ATLANTA, GA 30328
* $ n/a 1 $ 525,000
Nexera Holding LLC
2200 POWELL STREET SUITE 340
EMERYVILLE, CA 94608
* $ n/a 1 $ 215,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ n/a 1 $ 85,000
Northcountry Federal Credit Union
PO BOX 64709
BURLINGTON, VT 05406
* $ n/a 1 $ 305,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 1 $ 215,000
Old Second National Bank
37 SOUTH RIVER STREET
AURORA, IL 60506
* $ n/a 1 $ 265,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ n/a 1 $ 255,000
Genisys Credit Union
2100 EXECUTIVE HILLS BLVD
AUBURN HILLS, MI 48326
* $ n/a 1 $ 1,285,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ n/a 1 $ 25,000
Hearthside Bank Corporation
1602 CUMBERLAND AVENUE
MIDDLESBORO, KY 40965
* $ n/a 1 $ 135,000
Panorama Mortgage Group, LLC
350 RAMPART BOULEVARD SUITE 310
LAS VEGAS, NV 89113
* $ n/a 1 $ 265,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ n/a 1 $ 205,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ n/a 1 $ 425,000
Servisfirst Bank
2500 WOODCREST PLACE
BIRMINGHAM, AL 35209
* $ n/a 1 $ 6,475,000
Gold Star Mortgage Financial Group, Corporation
2350 GREEN ROAD SUITE 100B
ANN ARBOR, MI 48105
* $ n/a 1 $ 175,000
Fourleaf Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ n/a 1 $ 75,000
Cornerstone First Mortgage, LLC
2655 CAMINO DEL RIO N #450
SAN DIEGO, CA 92108
* $ n/a 1 $ 225,000
Luminate Home Loans, Inc.
2523 WAYZATA BLVD SUITE 200
MINNEAPOLIS, MN 55405
* $ n/a 1 $ 175,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ n/a 1 $ 145,000
Encompass Lending Group, L.P.
23108 SEVEN MEADOWS PKWY SUITE 100
KATY, TX 77494
* $ n/a 1 $ 325,000
First State Bank
19230 STATE ROUTE 136
WINCHESTER, OH 45697
* $ n/a 1 $ 95,000
Purdue Federal CU
1551 WIN HENTSCHEL BLVD., PO BOX 2433
WEST LAFAYETTE, IN 47906
* $ n/a 1 $ 255,000
First National Bank of Middle Tennessee
200 E MAIN ST
MCMINNVILLE, TN 37110
* $ n/a 1 $ 275,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ n/a 1 $ 15,000
Servis One, Inc
4200 REGENT BLVD SUIT B200
IRVING, TX 75063
* $ n/a 1 $ 325,000
Premier Lending Inc.

CHARLOTTE, NC 28277
* $ n/a 1 $ 325,000
Transportation Federal Credit Union
1600 CAMERON STREET
ALEXANDRIA, VA 22314
* $ n/a 1 $ 95,000
Arvest Bank

TULSA, OK 74103
* $ n/a 1 $ 405,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ n/a 1 $ 275,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 1 $ 265,000
Heritage Federal Credit Union
PO BOX 189
NEWBURGH, IN 47629
* $ n/a 1 $ 275,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ n/a 1 $ 305,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 155,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 575,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ n/a 1 $ 505,000
Milend, Inc
375 NORTHRIDGE RD, SUITE 600
ALPHARETTA, GA 30009
* $ n/a 1 $ 175,000
Atlanta Postal Credit Union
1605 BOGGS ROAD
ATLANTA, GA 30354
* $ n/a 1 $ 25,000
Mm Lending, LLC
4165 WESTPORT RD SUITE 204
LOUISVILLE, KY 40222
* $ n/a 1 $ 125,000
Smartbank
2430 TEASTER LANE
PIGEON FORGE, TN 37863
* $ n/a 1 $ 605,000
Peoples Bank of Kentucky, Inc
106 S MAIN CROSS ST
FLEMINGSBURG, KY 41041
* $ n/a 1 $ 325,000
Rpe Home, Inc
1312 17TH STREET SUITE 71618
DENVER, CO 80202
* $ n/a 1 $ 585,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ n/a 1 $ 135,000
1st National Bank
1160 E. MAIN STREET
LEBANON, OH 45036
* $ n/a 1 $ 205,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ n/a 1 $ 1,055,000
Citadel Servicing Corporation
15707 ROCKFIELD BLVD STE 320
IRVINE, CA 92618
* $ n/a 1 $ 155,000
Nexbank
2515 MCKINNEY AVENUE, SUITE 1100
DALLAS, TX 75201
* $ n/a 1 $ 155,000
Legacy Home Loans, LLC
4025 HILLSBORO PIKE #601
BRENTWOOD, TN 37027
* $ n/a 1 $ 205,000
Tjc Mortgage Inc
1 PERIMETER PARK S, STE 230 S
BIRMINGHAM, AL 35243
* $ n/a 1 $ 215,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 45,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 425,000
Florida Capital Bank, N.A
10151 DEERWOOD PARK BLVD. BLDG. 100 #200
JACKSONVILLE, FL 32256
* $ n/a 1 $ 365,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ n/a 1 $ 35,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 105,000
Appalachian Community Federal Credit Union
5034 BOBBY HICKS HIGHWAY SUITE 2
JOHNSON CITY, TN 37615
* $ n/a 1 $ 55,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ n/a 1 $ 55,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ n/a 1 $ 505,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ n/a 1 $ 115,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 1 $ 165,000
Victory Mortgage, LLC
3940 OLYMPIC BLVD SUITE 110
ERLANGER, KY 41018
* $ n/a 1 $ 365,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 1 $ 35,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 135,000
Toyota Financial Savings Bank
2485 VILLAGE VIEW DRIVE, SUITE 200
HENDERSON, NV 89074
* $ n/a 1 $ 385,000

The tables below break down 2025 mortgage applications in Madison County, KY by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Madison County, KY in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 2,455 $659,855,000 $268,000 $24,005,000 $107,000 $1,862,000
Refinancing 694 $200,440,000 $288,000 $8,685,000 $113,000 $641,000
Cash-out Refinancing 667 $136,895,000 $205,000 $1,395,000 $96,000 $578,000
Other Purpose 426 $34,950,000 $82,000 $455,000 $113,000 $1,669,000
Home Improvement 395 $34,165,000 $86,000 $785,000 $124,000 $1,004,000
Not Applicable 6 $530,000 $88,000 $165,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 3,355 $668,005,000 $199,000 $1,205,000 $107,000 $1,862,000
Not applicable 616 $256,220,000 $415,000 $24,005,000 $130,000 $612,000
Not Provided 367 $78,235,000 $213,000 $2,005,000 $115,000 $1,053,000
Hispanic 133 $28,175,000 $211,000 $985,000 $96,000 $1,097,000
Black or African American 101 $20,425,000 $202,000 $685,000 $102,000 $365,000
Asian 44 $10,670,000 $242,000 $625,000 $166,000 $991,000
American Indian or Alaskan Native 18 $3,510,000 $195,000 $735,000 $112,000 $480,000
Native Hawaiian or Other Pacific Islander 9 $1,595,000 $177,000 $275,000 $95,000 $144,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,133 $650,375,000 $207,000 $24,005,000 $114,000 $1,862,000
FHA-insured (Federal Housing Administration) 860 $218,470,000 $254,000 $535,000 $87,000 $510,000
VA-guaranteed (Veterans Administration) 555 $175,865,000 $316,000 $985,000 $104,000 $344,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 95 $22,125,000 $232,000 $335,000 $84,000 $121,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,442 $617,530,000 $252,000 $24,005,000 $116,000 $1,862,000
Application Denied By Financial Institution 688 $107,090,000 $155,000 $3,195,000 $89,000 $1,669,000
Application Withdrawn By Applicant 564 $131,970,000 $233,000 $3,255,000 $106,000 $1,560,000
Loan Purchased By The Institution 518 $137,950,000 $266,000 $4,555,000 $130,000 $612,000
File Closed For Incompleteness 266 $42,830,000 $161,000 $705,000 $96,000 $868,000
Application Approved But Not Accepted 162 $28,390,000 $175,000 $1,035,000 $102,000 $469,000
Preapproval Approved but not Accepted 2 $420,000 $210,000 $285,000 $63,000 $79,000
Preapproval Denied by Financial Institution 1 $655,000 $655,000 $655,000 $241,000 $241,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 3,843 $909,795,000 $236,000 $24,005,000 $112,000 $1,862,000
Debt-To-Income Ratio 310 $81,400,000 $262,000 $4,835,000 $88,000 $991,000
Credit History 256 $31,150,000 $121,000 $605,000 $94,000 $1,669,000
Collateral 71 $13,445,000 $189,000 $725,000 $122,000 $625,000
Credit Application Incomplete 67 $10,675,000 $159,000 $655,000 $99,000 $386,000
Other 39 $10,505,000 $269,000 $3,195,000 $114,000 $510,000
Unverifiable Information 34 $4,610,000 $135,000 $585,000 $81,000 $229,000
Insufficient Cash (Downpayment, Closing Cost) 14 $3,650,000 $260,000 $505,000 $110,000 $215,000
Employment History 9 $1,605,000 $178,000 $325,000 $59,000 $103,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Download the Kentucky Lender List