Mason County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 403 mortgage applications in Mason County, KY totaling $37.8 million, down 35% from 2013. The average application was for $93,000, and applicants reported an average income of $62,000. 52% of applications resulted in an originated loan and 31% were denied. The most active lender was US Bank, N.A., with 140 applications, followed by Citizens Deposit Bank & Trust and Farm Credit Mid-America, Aca.
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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 | 403 |
| Total Mortgage Loan Application Amount | $37,750,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $506,000 |
| Average Applicant Income | $62,000 |
| Highest Applicant Income | $404,000 |
* 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, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 140 | $ 11,261,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 363,451,000 | 37 | $ 2,547,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 17 | $ 2,309,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 62,839,000 | 14 | $ 924,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 515,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 10 | $ 922,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 9 | $ 563,000 |
| Incenta 175 W. WENGER ROAD ENGLEWOOD, OH 45322 |
* | $ 82,972,000 | 9 | $ 456,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 8 | $ 979,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 7 | $ 1,057,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,559,631,000 | 7 | $ 799,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 7 | $ 731,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 6 | $ 610,000 |
| American Southwest Mortgage Corp. 5900 MOSTELLER DRIVE SUITE 10 OKLAHOMA CITY, OK 73112 |
* | $ 143,000,000 | 4 | $ 588,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 240,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 168,648,000 | 4 | $ 765,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 253,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 304,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 450,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 3 | $ 485,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 3 | $ 260,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 943,977,000 | 3 | $ 179,000 |
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ 266,453,000 | 3 | $ 350,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 2 | $ 220,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 482,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 409,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 94,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 2 | $ 52,000 |
| Ditech Mortgage Corp 1100 VIRGINIA DRIVE, SUITE 100 FT. WASHINGTON, PA 19034 |
* | $ 5,720,000 | 2 | $ 210,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 2 | $ 156,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 325,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 176,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 2 | $ 122,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 2 | $ 130,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 2 | $ 203,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 165,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 2 | $ 22,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 406,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 2 | $ 121,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 5,662,890,000 | 1 | $ 147,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 1,912,238,000 | 1 | $ 59,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 159,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 108,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 1 | $ 106,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 91,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 10,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 1 | $ 27,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 84,362,333,000 | 1 | $ 56,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 1 | $ 146,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 159,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 222,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Great Plains National Bank 5909 NW EXPRESSWAY ELK CITY, OK 73644 |
* | $ 539,275,000 | 1 | $ 108,000 |
| National Bank of Kansas City 10700 NALL AVENUE OVERLAND PARK, KS 66211 |
* | $ 566,962,000 | 1 | $ 86,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 846,686,000 | 1 | $ 183,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,459,127,000 | 1 | $ 140,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,856,362,000 | 1 | $ 240,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 172,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,921,853,000 | 1 | $ 159,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 163,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 122,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 84,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ 603,000 | 1 | $ 97,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 188,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 94,716,980,000 | 1 | $ 79,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 106,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 54,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ 4,993,000 | 1 | $ 84,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 254,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 145,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 44,000 |
The tables below break down 2014 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 2014
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 | 198 | $20,479,000 | $103,000 | $506,000 | $65,000 | $392,000 |
| Home Purchase | 152 | $15,185,000 | $99,000 | $344,000 | $56,000 | $258,000 |
| Home Improvement | 53 | $2,086,000 | $39,000 | $195,000 | $65,000 | $404,000 |
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 | 313 | $28,335,000 | $90,000 | $399,000 | $63,000 | $404,000 |
| Not Provided | 55 | $5,470,000 | $99,000 | $506,000 | $76,000 | $392,000 |
| Not applicable | 19 | $2,277,000 | $119,000 | $254,000 | $6,000 | $102,000 |
| Black or African American | 9 | $859,000 | $95,000 | $265,000 | $59,000 | $140,000 |
| American Indian or Alaskan Native | 4 | $389,000 | $97,000 | $145,000 | $58,000 | $92,000 |
| Hispanic | 3 | $420,000 | $140,000 | $172,000 | $63,000 | $94,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 292 | $25,573,000 | $87,000 | $506,000 | $71,000 | $404,000 |
| FHA-insured (Federal Housing Administration) | 49 | $5,032,000 | $102,000 | $254,000 | $38,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 38 | $4,255,000 | $111,000 | $186,000 | $39,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 24 | $2,890,000 | $120,000 | $250,000 | $40,000 | $105,000 |
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 | 209 | $20,596,000 | $98,000 | $506,000 | $70,000 | $392,000 |
| Application Denied By Financial Institution | 123 | $10,770,000 | $87,000 | $399,000 | $61,000 | $404,000 |
| Loan Purchased By The Institution | 31 | $3,427,000 | $110,000 | $254,000 | $22,000 | $102,000 |
| Application Approved But Not Accepted | 19 | $1,175,000 | $61,000 | $164,000 | $52,000 | $122,000 |
| Application Withdrawn By Applicant | 13 | $1,014,000 | $78,000 | $168,000 | $49,000 | $150,000 |
| File Closed For Incompleteness | 8 | $768,000 | $96,000 | $250,000 | $55,000 | $74,000 |
| 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 | 47 | $3,233,000 | $68,000 | $344,000 | $60,000 | $404,000 |
| Collateral | 29 | $2,976,000 | $102,000 | $245,000 | $87,000 | $372,000 |
| Debt-To-Income Ratio | 12 | $1,024,000 | $85,000 | $183,000 | $34,000 | $90,000 |
| Other | 6 | $442,000 | $73,000 | $120,000 | $58,000 | $111,000 |
| Credit Application Incomplete | 5 | $770,000 | $154,000 | $227,000 | $70,000 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $191,000 | $95,000 | $107,000 | $68,000 | $70,000 |
| Unverifiable Information | 1 | $39,000 | $39,000 | $39,000 | $78,000 | $78,000 |
| 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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