Mason County, KY Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 561 mortgage applications in Mason County, KY totaling $76.6 million, up 12% from 2019. The average application was for $136,000, and applicants reported an average income of $82,000. 56% of applications resulted in an originated loan and 21% were denied. The most active lender was US Bank, N.A., with 144 applications, followed by Farm Credit Mid-America, Aca and Community Trust Bank, Inc..
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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 | 561 |
| Total Mortgage Loan Application Amount | $76,615,000 |
| Average Mortgage Loan Application Amount | $136,000 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $734,000 |
* 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 |
* | $ 486,004,220,000 | 144 | $ 15,670,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 20 | $ 5,290,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,344,716,000 | 20 | $ 2,830,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 18 | $ 2,760,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 552,890,000 | 15 | $ 1,655,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 14 | $ 1,640,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 14 | $ 1,600,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 13 | $ 1,215,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 12 | $ 2,060,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 11 | $ 1,855,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 11 | $ 1,075,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 10 | $ 980,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 9 | $ 795,000 |
| Pathways Financial Credit Union 5665 N. HAMILTON RD COLUMBUS, OH 43230 |
* | $ 414,199,000 | 9 | $ 1,075,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 8 | $ 1,050,000 |
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ 494,299,000 | 8 | $ 770,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 7 | $ 905,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 7 | $ 1,155,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 7 | $ 1,115,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 13,387,533,000 | 6 | $ 890,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 6 | $ 720,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 5 | $ 575,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 825,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 4 | $ 600,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 450,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,388,018,000 | 4 | $ 710,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 4 | $ 900,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 978,294,000 | 4 | $ 240,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 660,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 3 | $ 465,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 485,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ -1,000 | 3 | $ 485,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 2,762,148,000 | 3 | $ 235,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 545,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 3 | $ 505,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 365,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 3 | $ 315,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,079,626,000 | 2 | $ 260,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 1,107,663,000 | 2 | $ 270,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 390,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 2 | $ 400,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 310,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,210,474,000 | 2 | $ 240,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 2 | $ 490,000 |
| Tcf National Bank 2508 LOUISE AVE S (PCC-2E-L) SIOUX FALLS, SD 57106 |
* | $ 46,627,366,000 | 2 | $ 270,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 590,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 2 | $ 230,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 2 | $ 480,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ -1,000 | 2 | $ 350,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ -1,000 | 2 | $ 290,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 997,561,000 | 2 | $ 430,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 250,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 2 | $ 280,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 2 | $ 150,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 2 | $ 200,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 2 | $ 430,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 175,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 1 | $ 405,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 313,272,000 | 1 | $ 195,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 225,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 75,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 95,000 |
| First Federal S&L of Lakewood 14806 DETROIT AVE LAKEWOOD, OH 44107 |
* | $ 1,924,103,000 | 1 | $ 765,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ -1,000 | 1 | $ 105,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,850,784,000 | 1 | $ 265,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 387,236,000 | 1 | $ 175,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 275,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 135,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 6,051,860,000 | 1 | $ 225,000 |
| Morgan Stanley Private Bank NA 2000 WESTCHESTER AVE PURCHASE, NY 10577 |
* | $ 83,036,000,000 | 1 | $ 265,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 416,824,000 | 1 | $ 225,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 1 | $ 85,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 167,492,000,000 | 1 | $ 255,000 |
| Connexus Credit Union 2600 PINE RIDGE WAUSAU, WI 54401 |
* | $ 2,675,632,000 | 1 | $ 145,000 |
| Farmers Bank and Trust Company 201 SOUTH MAIN STREET MARION, KY 42064 |
* | $ 374,295,000 | 1 | $ 195,000 |
| Nations Reliable Lending, LLC HOUSTON, TX 77057 |
* | $ -1,000 | 1 | $ 105,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,852,983,000,000 | 1 | $ 25,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 215,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 2,186,056,000 | 1 | $ 285,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 155,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 85,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 1 | $ 75,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 1 | $ 125,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 1 | $ 125,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 145,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 1 | $ 105,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ -1,000 | 1 | $ 105,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 518,388,000 | 1 | $ 125,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 75,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ 1,034,678,000 | 1 | $ 205,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 85,000 |
| First National Bank of Grayson 200 CAROL MALONE BLVD GRAYSON, KY 41143 |
* | $ 250,630,000 | 1 | $ 145,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 225,000 |
| Mld Mortgage, Inc.Dba the Money Store 30 B VREELAND ROAD FLORHAM PARK, NJ 07932 |
* | $ -1,000 | 1 | $ 185,000 |
| Amcap Mortgage, Ltd. 9999 BELLAIRE BLVD., SUITE 700 AUSTIN, TX 77036 |
* | $ -1,000 | 1 | $ 115,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 155,000 |
| Liberty Home Mortgage Corp 4401 ROCKSIDE RD 310 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 85,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 105,000 |
The tables below break down 2020 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 2020
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 | 232 | $35,050,000 | $151,000 | $805,000 | $97,000 | $734,000 |
| Home Purchase | 228 | $31,380,000 | $137,000 | $765,000 | $66,000 | $435,000 |
| Cash-out Refinancing | 53 | $6,725,000 | $126,000 | $235,000 | $84,000 | $210,000 |
| Home Improvement | 20 | $1,130,000 | $56,000 | $245,000 | $91,000 | $195,000 |
| Other Purpose | 19 | $1,495,000 | $78,000 | $225,000 | $106,000 | $262,000 |
| Not Applicable | 9 | $835,000 | $92,000 | $215,000 | $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 | 461 | $62,805,000 | $136,000 | $765,000 | $83,000 | $508,000 |
| Not Provided | 49 | $7,065,000 | $144,000 | $455,000 | $73,000 | $205,000 |
| Not applicable | 24 | $3,200,000 | $133,000 | $405,000 | $76,000 | $76,000 |
| Black or African American | 19 | $2,075,000 | $109,000 | $265,000 | $57,000 | $190,000 |
| Hispanic | 6 | $630,000 | $105,000 | $175,000 | $55,000 | $91,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $23,000 | $23,000 |
| Asian | 1 | $805,000 | $805,000 | $805,000 | $734,000 | $734,000 |
| 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) | 384 | $52,510,000 | $136,000 | $805,000 | $91,000 | $734,000 |
| FHA-insured (Federal Housing Administration) | 88 | $10,490,000 | $119,000 | $265,000 | $51,000 | $138,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,590,000 | $171,000 | $455,000 | $70,000 | $194,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,025,000 | $121,000 | $275,000 | $48,000 | $80,000 |
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 | 316 | $44,240,000 | $140,000 | $765,000 | $87,000 | $508,000 |
| Application Denied By Financial Institution | 118 | $15,910,000 | $134,000 | $805,000 | $75,000 | $734,000 |
| Application Withdrawn By Applicant | 59 | $6,835,000 | $115,000 | $285,000 | $82,000 | $335,000 |
| File Closed For Incompleteness | 27 | $3,235,000 | $119,000 | $235,000 | $50,000 | $156,000 |
| Loan Purchased By The Institution | 26 | $3,680,000 | $141,000 | $405,000 | $130,000 | $376,000 |
| Application Approved But Not Accepted | 15 | $2,715,000 | $181,000 | $385,000 | $88,000 | $188,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 422 | $58,250,000 | $138,000 | $765,000 | $84,000 | $508,000 |
| Credit History | 39 | $4,285,000 | $109,000 | $245,000 | $78,000 | $199,000 |
| Debt-To-Income Ratio | 39 | $5,705,000 | $146,000 | $605,000 | $71,000 | $277,000 |
| Collateral | 22 | $3,190,000 | $145,000 | $805,000 | $96,000 | $734,000 |
| Credit Application Incomplete | 13 | $1,575,000 | $121,000 | $175,000 | $86,000 | $143,000 |
| Other | 13 | $1,885,000 | $145,000 | $235,000 | $78,000 | $131,000 |
| Unverifiable Information | 6 | $720,000 | $120,000 | $175,000 | $60,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $940,000 | $156,000 | $215,000 | $57,000 | $65,000 |
| Employment History | 1 | $65,000 | $65,000 | $65,000 | $35,000 | $35,000 |
| 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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