Mason County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 504 mortgage applications in Mason County, KY totaling $70.2 million, up 19% from 2023. The average application was for $139,000, and applicants reported an average income of $82,000. 52% of applications resulted in an originated loan and 25% were denied. The most active lender was US Bank, N.A., with 81 applications, followed by Peoples Bank and Peoples Bank of Kentucky, 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 | 504 |
| Total Mortgage Loan Application Amount | $70,150,000 |
| Average Mortgage Loan Application Amount | $139,000 |
| Highest Mortgage Loan Application Amount | $1,245,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $341,000 |
* 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 |
* | $ n/a | 81 | $ 7,315,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 32 | $ 2,940,000 |
| Peoples Bank of Kentucky, Inc 106 S MAIN CROSS ST FLEMINGSBURG, KY 41041 |
* | $ n/a | 23 | $ 4,145,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 17 | $ 3,725,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 15 | $ 1,885,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 15 | $ 1,515,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 13 | $ 1,975,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 12 | $ 2,800,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 1,675,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 11 | $ 1,705,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 10 | $ 1,030,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ n/a | 9 | $ 365,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 8 | $ 1,440,000 |
| First State Bank 19230 STATE ROUTE 136 WINCHESTER, OH 45697 |
* | $ n/a | 7 | $ 925,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 7 | $ 2,035,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 6 | $ 820,000 |
| Pathways Financial Credit Union 5665 N. HAMILTON RD COLUMBUS, OH 43230 |
* | $ n/a | 6 | $ 780,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 6 | $ 1,190,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 6 | $ 750,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ n/a | 5 | $ 705,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 5 | $ 535,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 5 | $ 165,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 5 | $ 635,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 5 | $ 1,075,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 5 | $ 385,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 5 | $ 365,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 365,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 4 | $ 330,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 650,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 500,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 4 | $ 320,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 880,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 4 | $ 620,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 4 | $ 690,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 970,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 380,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 4 | $ 340,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 4 | $ 130,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 4 | $ 520,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 4 | $ 1,220,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 3 | $ 565,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 165,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 565,000 |
| Rapid Mortgage Company 7870 E. KEMPER ROAD, SUITE 280 CINCINNATI, OH 45255 |
* | $ n/a | 2 | $ 230,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 210,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ n/a | 2 | $ 440,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ n/a | 2 | $ 400,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ n/a | 2 | $ 330,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 280,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 2 | $ 610,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 170,000 |
| Superior Credit Union, Inc. 4230 ELIDA RD LIMA, OH 45807 |
* | $ n/a | 2 | $ 930,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ n/a | 2 | $ 110,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 2 | $ 640,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 200,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ n/a | 2 | $ 170,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 55,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 105,000 |
| City National Bank of Wv 25 GATEWATER ROAD CROSS LANES, WV 25313 |
* | $ n/a | 1 | $ 115,000 |
| Amres Corporation 1 NESHAMINY INTERPLEX, SUITE 310 TREVOSE, PA 19053 |
* | $ n/a | 1 | $ 145,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ n/a | 1 | $ 55,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 205,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ n/a | 1 | $ 225,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 125,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 395,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 125,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 1 | $ 185,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 245,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 335,000 |
| Genisys Credit Union 2100 EXECUTIVE HILLS BLVD AUBURN HILLS, MI 48326 |
* | $ n/a | 1 | $ 275,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ n/a | 1 | $ 225,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 105,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 1 | $ 75,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 85,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ n/a | 1 | $ 215,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 75,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 505,000 |
| The Park National Bank 50 N THIRD STREET NEWARK, OH 43055 |
* | $ n/a | 1 | $ 55,000 |
| First Guaranty Bank 400 EAST THOMAS STREET HAMMOND, LA 70401 |
* | $ n/a | 1 | $ 325,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 145,000 |
| Premier Bank 601 CLINTON STREET YOUNGSTOWN, OH 44503 |
* | $ n/a | 1 | $ 395,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 135,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 65,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 1 | $ 175,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 1 | $ 195,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 165,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 1 | $ 265,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ n/a | 1 | $ 135,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ n/a | 1 | $ 65,000 |
| 1st National Bank 1160 E. MAIN STREET LEBANON, OH 45036 |
* | $ n/a | 1 | $ 75,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ n/a | 1 | $ 15,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 195,000 |
| The Health and Education Federal Credit Union 185 PASADENA DR #155 LEXINGTON, KY 40511 |
* | $ n/a | 1 | $ 205,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ n/a | 1 | $ 75,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 25,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 175,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 155,000 |
| United Bank VA MORGANTOWN, WV 26505 |
* | $ n/a | 1 | $ 25,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ n/a | 1 | $ 35,000 |
| Lima One Capital, LLC 201 E. MCBEE AVE, SUITE 300 GREENVILLE, SC 29601 |
* | $ n/a | 1 | $ 65,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ n/a | 1 | $ 15,000 |
The tables below break down 2024 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 2024
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 | 231 | $40,545,000 | $175,000 | $1,245,000 | $82,000 | $341,000 |
| Cash-out Refinancing | 90 | $13,220,000 | $146,000 | $485,000 | $81,000 | $224,000 |
| Other Purpose | 68 | $3,850,000 | $56,000 | $175,000 | $75,000 | $232,000 |
| Home Improvement | 62 | $3,440,000 | $55,000 | $355,000 | $82,000 | $318,000 |
| Refinancing | 53 | $9,095,000 | $171,000 | $425,000 | $100,000 | $280,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $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 | 392 | $51,410,000 | $131,000 | $1,245,000 | $81,000 | $341,000 |
| Not Provided | 50 | $7,770,000 | $155,000 | $485,000 | $84,000 | $224,000 |
| Not applicable | 26 | $5,160,000 | $198,000 | $505,000 | $0 | $0 |
| Black or African American | 20 | $3,320,000 | $166,000 | $485,000 | $91,000 | $280,000 |
| Hispanic | 9 | $1,515,000 | $168,000 | $505,000 | $87,000 | $300,000 |
| American Indian or Alaskan Native | 4 | $390,000 | $97,000 | $175,000 | $131,000 | $250,000 |
| Asian | 2 | $510,000 | $255,000 | $325,000 | $140,000 | $162,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $46,000 | $46,000 |
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) | 342 | $41,570,000 | $121,000 | $1,245,000 | $86,000 | $318,000 |
| FHA-insured (Federal Housing Administration) | 110 | $18,540,000 | $168,000 | $485,000 | $67,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 37 | $7,885,000 | $213,000 | $645,000 | $106,000 | $341,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $2,155,000 | $143,000 | $195,000 | $61,000 | $93,000 |
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 | 262 | $38,540,000 | $147,000 | $1,245,000 | $88,000 | $341,000 |
| Application Denied By Financial Institution | 126 | $13,250,000 | $105,000 | $485,000 | $70,000 | $250,000 |
| Application Withdrawn By Applicant | 49 | $7,475,000 | $152,000 | $505,000 | $79,000 | $205,000 |
| File Closed For Incompleteness | 27 | $3,125,000 | $115,000 | $445,000 | $67,000 | $138,000 |
| Loan Purchased By The Institution | 25 | $5,155,000 | $206,000 | $425,000 | $112,000 | $155,000 |
| Application Approved But Not Accepted | 13 | $1,775,000 | $136,000 | $405,000 | $106,000 | $318,000 |
| Preapproval Approved but not Accepted | 1 | $365,000 | $365,000 | $365,000 | $162,000 | $162,000 |
| Preapproval Denied by Financial Institution | 1 | $465,000 | $465,000 | $465,000 | $206,000 | $206,000 |
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 | 357 | $52,525,000 | $147,000 | $645,000 | $86,000 | $341,000 |
| Debt-To-Income Ratio | 52 | $7,810,000 | $150,000 | $1,245,000 | $68,000 | $232,000 |
| Credit History | 49 | $4,465,000 | $91,000 | $465,000 | $79,000 | $250,000 |
| Collateral | 15 | $1,605,000 | $107,000 | $485,000 | $69,000 | $121,000 |
| Credit Application Incomplete | 14 | $1,490,000 | $106,000 | $235,000 | $79,000 | $170,000 |
| Other | 8 | $1,080,000 | $135,000 | $255,000 | $61,000 | $82,000 |
| Unverifiable Information | 4 | $550,000 | $137,000 | $175,000 | $69,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $530,000 | $132,000 | $195,000 | $80,000 | $135,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $41,000 | $41,000 |
| 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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