Martin County, KY Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 458 mortgage applications in Martin County, KY totaling $29.2 million, down 15% from 2004. The average application was for $63,000, and applicants reported an average income of $40,000. 21% of applications resulted in an originated loan and 43% were denied. The most active lender was Vanderbilt Mortgage, with 89 applications, followed by Beneficial Company LLC and Branch Banking and Trust Co.
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| 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 | 458 |
| Total Mortgage Loan Application Amount | $29,192,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $392,000 |
| Average Applicant Income | $40,000 |
| Highest Applicant Income | $235,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 89 | $ 3,792,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 38 | $ 2,843,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 74,479,112,000 | 28 | $ 1,883,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 24 | $ 872,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 953,604,000,000 | 23 | $ 874,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 18 | $ 1,447,000 |
| Homeowners Loan Corporation 4501 CIRCLE 75 PARKWAY, SUITE D-4300 ATLANTA, GA 30339 |
* | $ 1,840,459,615,000 | 17 | $ 1,344,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 15 | $ 668,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,698,709,000 | 13 | $ 612,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 3,414,446,000 | 12 | $ 526,000 |
| HSBC Mortgage Services, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 18,823,411,000 | 10 | $ 643,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 10 | $ 958,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 9 | $ 823,000 |
| Equity One 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 19,257,000,000 | 8 | $ 210,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 8 | $ 315,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 8 | $ 493,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 8 | $ 448,000 |
| Home123 Corporation 3351 MICHELSON DRIVE, SUITE 400 IRVINE, CA 92612 |
* | $ 10,000,000 | 7 | $ 1,341,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 7 | $ 809,000 |
| Argent Mortgage Company 1100 TOWN & COUNTRY ORANGE, CA 92868 |
* | $ 10,000,000 | 6 | $ 539,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 366,256,000,000 | 6 | $ 424,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 5 | $ 288,000 |
| Aurora Bank FSB 1271 SIXTH AVENUE, 46TH FLOOR NEW YORK, NY 10020 |
* | $ 19,456,642,000 | 5 | $ 356,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 248,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 4 | $ 428,000 |
| Delta Funding Corporation 1000 WOODBURY ROAD WOODBURY, NY 11797 |
* | $ 31,000,000 | 4 | $ 427,000 |
| Equifirst Corporation 13000 S TRYON ST, STE F, PMB 317 CHARLOTTE, NC 28278 |
* | $ 49,210,377,000 | 3 | $ 371,000 |
| Central Pacfic Mortgage 950 IRON POINT RD SUITE 200 FOLSOM, CA 95630 |
* | $ 31,000,000 | 3 | $ 244,000 |
| Advent Mortgage, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 3 | $ 251,000 |
| Homeone Credit Corp. 10700 NORTH FREEWAY #1000 HOUSTON, TX 77037 |
* | $ 10,000,000 | 3 | $ 119,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 3 | $ 202,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 22,927,745,000 | 3 | $ 105,000 |
| Wmc Mortgage Corp. 3100 THORTON AVE BURBANK, CA 91504 |
* | $ 31,000,000 | 3 | $ 222,000 |
| Residential Funding Corp. LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 197,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 250,544,000 | 2 | $ 73,000 |
| Merrill Lynch Mortgage Lending 4 WORLD FINANCIAL CENTER, 12TH FLOOR NEW YORK, NY 10280 |
* | $ 19,717,040,000 | 2 | $ 136,000 |
| Aig Federal Savings Bank 600 N KING STREET, SUITE 2 WILMINGTON, DE 19801 |
* | $ 1,663,205,000 | 2 | $ 183,000 |
| Abn Amro Mtg Group Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 250,000,000 | 2 | $ 91,000 |
| Choice Capital Funding Inc. 223 ROSWELL STREET SUITE 100 ALPHARETTA, GA 30004 |
* | $ 10,000,000 | 2 | $ 136,000 |
| Fmf Capital LLC 25800 NORTHWESTERN HWY, STE. 500 SOUTHFIELD, MI 48075 |
* | $ 180,821,000 | 2 | $ 239,000 |
| Encore Credit Corp 1833 ALTON PARKWAY IRVINE, CA 92606 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Citimortgage, Inc 850 THIRD AVENUE, 12TH FLOOR NEW YORK, NY 10022 |
* | $ 59,720,267,000 | 2 | $ 170,000 |
| Classic Bank C/O CITY NATIONAL BANK P O BOX 7899 CROSS LANES, WV 25356 |
* | $ 344,208,000 | 1 | $ 21,000 |
| Ctx Mortgage Company, LLC 1603 LBJ FREEWAY FL 6 DALLAS, TX 75234 |
* | $ 31,000,000 | 1 | $ 52,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Ge Money Bank 4246 SOUTH RIVERBOAT RDCSUITE 200 SALT LAKE CITY, UT 84123 |
* | $ 7,000,000,000 | 1 | $ 80,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Citifinancial Mtg Co, Inc 4000 REGENT BLVD IRVING, TX 75063 |
* | $ 32,424,600,000 | 1 | $ 103,000 |
| Calusa Investments, L.L.C. P.O. BOX 710840 HERNDON, VA 20171 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Central Bank of Jefferson Cty 4630 TAYLORSVILLE RD LOUISVILLE, KY 40220 |
* | $ 178,668,000 | 1 | $ 105,000 |
| American General Home Equ.(De) 601 N.W. SECOND STREET, P.O. BOX 59 EVANSVILLE, IN 47701 |
* | $ 10,000,000 | 1 | $ 30,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 102,000 |
| Bank of the West 1977 SATURN STREET MS SC-MPK-03-N MONTEREY PARK, CA 91755 |
* | $ 38,766,882,000 | 1 | $ 75,000 |
| Ameritrust Mortgage Company Ll 14045 BALLANTYNE CORPORATE PLACE SUITE 2 CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Mortgage Lenders Network USA 213 COURT STREET MIDDLETOWN, CT 06457 |
* | $ 10,000,000 | 1 | $ 105,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 52,974,916,000 | 1 | $ 34,000 |
| National City Bank of Indiana 1900 EAST NINTH CLEVELAND, OH 44114 |
* | $ 28,456,701,000 | 1 | $ 132,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 65,000 |
| Nbank, N.A. 1731 NORTH ELM STREET COMMERCE, GA 30529 |
* | $ 400,062,000 | 1 | $ 100,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 17,000 |
| Ibm Southeast Emp Credit Union 1000 NW 17TH AVE DELRAY BEACH, FL 33445 |
* | $ 632,209,000 | 1 | $ 97,000 |
| HSBC Bank USA, NA 1 HSBC CENTER - 24TH FLOOR BUFFALO, NY 14203 |
* | $ 138,296,274,000 | 1 | $ 29,000 |
| Saxon Mortgage 4840 COX ROAD GLEN ALLEN, VA 23060 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Ownit Mortgage Solutions, Inc 27349 AGOURA RD # 100 AGOURA HILLS, CA 91301 |
* | $ 10,000,000 | 1 | $ 50,000 |
| Prime Financial Credit Union 5656 S PACKARD AVE CUDAHY, WI 53110 |
* | $ 147,866,000 | 1 | $ 51,000 |
| Novastar Mortgage 2114 CENTRAL SUITE 600 KANSAS CITY, MO 64108 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Npb Mortgage LLC 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 145,000,000 | 1 | $ 20,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 76,000 |
| The Ohio Valley Bank Company 420 THIRD AVENUE GALLIPOLIS, OH 45631 |
* | $ 720,869,000 | 1 | $ 54,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 57,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 187,073,000 | 1 | $ 105,000 |
| Wells Fargo Finl West Virginia 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 134,716,000 | 1 | $ 91,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 16,675,614,000 | 1 | $ 85,000 |
The tables below break down 2005 mortgage applications in Martin 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 Martin County, KY in 2005
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 | 211 | $10,676,000 | $50,000 | $191,000 | $39,000 | $127,000 |
| Refinancing | 208 | $16,566,000 | $79,000 | $392,000 | $40,000 | $235,000 |
| Home Improvement | 39 | $1,950,000 | $50,000 | $262,000 | $43,000 | $81,000 |
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 | 370 | $22,968,000 | $62,000 | $392,000 | $42,000 | $235,000 |
| Not applicable | 47 | $2,748,000 | $58,000 | $144,000 | $2,000 | $29,000 |
| Not Provided | 35 | $3,013,000 | $86,000 | $211,000 | $42,000 | $102,000 |
| American Indian or Alaskan Native | 2 | $331,000 | $165,000 | $208,000 | $43,000 | $54,000 |
| Hispanic | 2 | $79,000 | $39,000 | $76,000 | $60,000 | $81,000 |
| Asian | 1 | $22,000 | $22,000 | $22,000 | $60,000 | $60,000 |
| Black or African American | 1 | $31,000 | $31,000 | $31,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 448 | $28,617,000 | $63,000 | $392,000 | $40,000 | $235,000 |
| FHA-insured (Federal Housing Administration) | 9 | $443,000 | $49,000 | $102,000 | $31,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 1 | $132,000 | $132,000 | $132,000 | $77,000 | $77,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 197 | $11,697,000 | $59,000 | $236,000 | $41,000 | $144,000 |
| Loan Originated | 96 | $6,152,000 | $64,000 | $392,000 | $45,000 | $235,000 |
| Application Approved But Not Accepted | 61 | $3,385,000 | $55,000 | $262,000 | $42,000 | $89,000 |
| Loan Purchased By The Institution | 55 | $3,360,000 | $61,000 | $144,000 | $16,000 | $70,000 |
| Application Withdrawn By Applicant | 41 | $3,764,000 | $91,000 | $262,000 | $40,000 | $98,000 |
| File Closed For Incompleteness | 8 | $834,000 | $104,000 | $211,000 | $42,000 | $57,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 59 | $3,260,000 | $55,000 | $236,000 | $36,000 | $127,000 |
| Other | 23 | $1,635,000 | $71,000 | $167,000 | $54,000 | $144,000 |
| Collateral | 6 | $592,000 | $98,000 | $135,000 | $43,000 | $56,000 |
| Credit Application Incomplete | 4 | $428,000 | $107,000 | $213,000 | $52,000 | $81,000 |
| Debt-To-Income Ratio | 3 | $166,000 | $55,000 | $83,000 | $29,000 | $56,000 |
| Unverifiable Information | 2 | $175,000 | $87,000 | $120,000 | $30,000 | $44,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $110,000 | $55,000 | $76,000 | $48,000 | $60,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $66,000 | $66,000 |
| 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.
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