Mason County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 677 mortgage applications in Mason County, KY totaling $72.3 million, down 14% from 2009. The average application was for $106,000, and applicants reported an average income of $60,000. 49% of applications resulted in an originated loan and 28% were denied. The most active lender was US Bank North Dakota, with 157 applications, followed by US Bank, N.A. and Citizens Deposit Bank & Trust.
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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 | 677 |
| Total Mortgage Loan Application Amount | $72,338,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $660,000 |
| Average Applicant Income | $60,000 |
| Highest Applicant Income | $1,028,000 |
* 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 |
|---|---|---|---|---|
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 157 | $ 12,726,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 74 | $ 9,043,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 123,449,000 | 59 | $ 5,371,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 51 | $ 6,582,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,919,085,000 | 43 | $ 4,501,000 |
| Incenta 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 66,843,000 | 25 | $ 1,906,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 25 | $ 3,078,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 24 | $ 3,123,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 22 | $ 2,845,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 14 | $ 833,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 14 | $ 1,790,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 12 | $ 1,340,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 10 | $ 635,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 64,958,000 | 9 | $ 1,173,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 8 | $ 902,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,072,308,000 | 6 | $ 500,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 595,000 |
| Union Savings Bank 8534 E. KEMPER ROAD CINCINNATI, OH 45249 |
* | $ 1,945,709,000 | 5 | $ 826,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 945,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 651,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 4 | $ 436,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 4 | $ 834,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 4 | $ 164,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 4 | $ 523,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 248,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 3 | $ 423,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 3 | $ 419,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 3 | $ 522,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 3 | $ 466,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 155,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 2 | $ 278,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 342,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Ripley Federal Savings Bank 1006 SOUTH 2ND STREET RIPLEY, OH 45167 |
* | $ 86,914,000 | 2 | $ 349,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 881,251,000 | 2 | $ 305,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 2 | $ 399,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,245,297,000 | 2 | $ 196,000 |
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ 198,818,000 | 2 | $ 102,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,640,495,000 | 2 | $ 233,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 216,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 212,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 2 | $ 247,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 303,000 | 1 | $ 55,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 177,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 169,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 197,928,000 | 1 | $ 58,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 313,635,000 | 1 | $ 60,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 4,542,636,000 | 1 | $ 66,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 68,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 12,817,999,000 | 1 | $ 57,000 |
| Central Bank, FSB 301 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 176,335,000 | 1 | $ 10,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 1 | $ 70,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,208,344,000 | 1 | $ 158,000 |
| Metlife Bank, N.A. 334 MADISON AVENUE CONVENT STATION, NJ 07961 |
* | $ 14,106,965,000 | 1 | $ 382,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 866,920,000 | 1 | $ 263,000 |
| Citizens National Bank 110 WEST COURT ST PARIS, IL 61944 |
* | $ 240,050,000 | 1 | $ 67,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 66,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,515,311,000 | 1 | $ 377,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 30,000 |
| Superior Financial Solutions 4230 ELIDA RD LIMA, OH 45807 |
* | $ 733,000 | 1 | $ 90,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 123,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 166,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 424,638,000 | 1 | $ 40,000 |
| Partners Financial Federal C U 1200 NEW YORK AVENUE GLEN ALLEN, VA 23060 |
* | $ 91,782,000 | 1 | $ 2,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 229,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 685,310,000 | 1 | $ 237,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 1,834,445,000 | 1 | $ 126,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 1,108,831,000 | 1 | $ 65,000 |
| Carolina Bank PO BOX 10209 GREENSBORO, NC 27404 |
* | $ 696,719,000 | 1 | $ 132,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,272,096,000 | 1 | $ 109,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ 60,000,000 | 1 | $ 63,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 291,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 167,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 10,000,000 | 1 | $ 71,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 100,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 50,000 |
The tables below break down 2010 mortgage applications in Mason 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 Mason County, KY in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 422 | $48,438,000 | $114,000 | $660,000 | $63,000 | $500,000 |
| Home Purchase | 206 | $21,831,000 | $105,000 | $355,000 | $56,000 | $1,028,000 |
| Home Improvement | 49 | $2,069,000 | $42,000 | $267,000 | $52,000 | $146,000 |
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 | 533 | $56,507,000 | $106,000 | $660,000 | $60,000 | $500,000 |
| Not Provided | 68 | $7,515,000 | $110,000 | $383,000 | $69,000 | $452,000 |
| Not applicable | 34 | $4,558,000 | $134,000 | $377,000 | $3,000 | $62,000 |
| Black or African American | 29 | $2,477,000 | $85,000 | $164,000 | $50,000 | $100,000 |
| American Indian or Alaskan Native | 7 | $533,000 | $76,000 | $171,000 | $252,000 | $1,028,000 |
| Asian | 4 | $466,000 | $116,000 | $122,000 | $42,000 | $43,000 |
| Hispanic | 2 | $282,000 | $141,000 | $148,000 | $101,000 | $132,000 |
| 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) | 505 | $51,807,000 | $102,000 | $660,000 | $65,000 | $1,028,000 |
| FHA-insured (Federal Housing Administration) | 115 | $13,822,000 | $120,000 | $280,000 | $45,000 | $146,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 39 | $3,609,000 | $92,000 | $181,000 | $37,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 18 | $3,100,000 | $172,000 | $355,000 | $61,000 | $120,000 |
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 | 330 | $34,409,000 | $104,000 | $377,000 | $69,000 | $1,028,000 |
| Application Denied By Financial Institution | 188 | $18,248,000 | $97,000 | $660,000 | $56,000 | $500,000 |
| Loan Purchased By The Institution | 79 | $9,972,000 | $126,000 | $321,000 | $31,000 | $142,000 |
| Application Withdrawn By Applicant | 46 | $6,125,000 | $133,000 | $390,000 | $67,000 | $225,000 |
| Application Approved But Not Accepted | 21 | $2,071,000 | $98,000 | $202,000 | $52,000 | $115,000 |
| File Closed For Incompleteness | 13 | $1,513,000 | $116,000 | $220,000 | $67,000 | $240,000 |
| 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 | 53 | $3,530,000 | $66,000 | $170,000 | $50,000 | $139,000 |
| Collateral | 47 | $5,599,000 | $119,000 | $660,000 | $73,000 | $500,000 |
| Debt-To-Income Ratio | 24 | $2,305,000 | $96,000 | $185,000 | $45,000 | $112,000 |
| Other | 11 | $1,126,000 | $102,000 | $304,000 | $72,000 | $153,000 |
| Credit Application Incomplete | 8 | $1,178,000 | $147,000 | $355,000 | $79,000 | $195,000 |
| Unverifiable Information | 2 | $152,000 | $76,000 | $138,000 | $38,000 | $60,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $108,000 | $54,000 | $72,000 | $25,000 | $31,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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