McCreary County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 303 mortgage applications in McCreary County, KY totaling $24.8 million, down 29% from 2008. The average application was for $81,000, and applicants reported an average income of $48,000. 38% of applications resulted in an originated loan and 32% were denied. The most active lender was Forcht Bank, N.A., with 74 applications, followed by Embrace Home Loans, Inc. and Lendmark Financial Services.
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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 | 303 |
| Total Mortgage Loan Application Amount | $24,839,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $319,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $546,000 |
* 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 |
|---|---|---|---|---|
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,064,641,000 | 74 | $ 4,086,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 30 | $ 2,873,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 22 | $ 965,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 15 | $ 1,892,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 13 | $ 868,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 12 | $ 873,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 8 | $ 660,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 8 | $ 607,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 7 | $ 762,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 7 | $ 863,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 7 | $ 393,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 575,176,000 | 7 | $ 887,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 6 | $ 773,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 5 | $ 544,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 113,925,000 | 4 | $ 369,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 4 | $ 446,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 4 | $ 501,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 4 | $ 629,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 4 | $ 414,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 4 | $ 533,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 3 | $ 133,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 3 | $ 207,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 833,513,000 | 3 | $ 157,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 3 | $ 189,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 466,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 431,817,000 | 3 | $ 314,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 233,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 3 | $ 384,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 2 | $ 189,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 180,373,000 | 2 | $ 149,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 168,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 248,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 88,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 2 | $ 169,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 243,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 66,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 58,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 1 | $ 69,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 125,000 |
| Citizens Guaranty Bank 457 EAST MAIN STREET; PO BOX 767 RICHMOND, KY 40476 |
* | $ 117,399,000 | 1 | $ 37,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,643,712,000 | 1 | $ 22,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 134,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 142,000 |
| Wachovia Mortgage FSB TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 69,166,325,000 | 1 | $ 104,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 73,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 36,351,625,000 | 1 | $ 3,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 98,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 1 | $ 15,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 130,000 |
| Peoples Bank of the South 106 WEST CENTRAL AVENUE LA FOLLETTE, TN 37766 |
* | $ 143,823,000 | 1 | $ 74,000 |
| Discover Bank 502 EAST MARKET STREET GREENWOOD, DE 19950 |
* | $ 36,276,270,000 | 1 | $ 10,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 573,031,000 | 1 | $ 48,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 409,625,000 | 1 | $ 30,000 |
The tables below break down 2009 mortgage applications in McCreary 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 McCreary County, KY in 2009
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 | $18,693,000 | $94,000 | $319,000 | $48,000 | $205,000 |
| Home Purchase | 78 | $5,398,000 | $69,000 | $240,000 | $52,000 | $546,000 |
| Home Improvement | 27 | $748,000 | $27,000 | $127,000 | $37,000 | $98,000 |
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 | 257 | $20,550,000 | $79,000 | $319,000 | $49,000 | $546,000 |
| Not Provided | 26 | $2,967,000 | $114,000 | $240,000 | $52,000 | $130,000 |
| Not applicable | 18 | $1,245,000 | $69,000 | $171,000 | $36,000 | $98,000 |
| Hispanic | 2 | $77,000 | $38,000 | $59,000 | $21,000 | $26,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 207 | $14,234,000 | $68,000 | $319,000 | $51,000 | $546,000 |
| FHA-insured (Federal Housing Administration) | 78 | $8,600,000 | $110,000 | $275,000 | $43,000 | $123,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,399,000 | $127,000 | $183,000 | $42,000 | $101,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $606,000 | $86,000 | $143,000 | $34,000 | $48,000 |
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 | 114 | $8,393,000 | $73,000 | $319,000 | $48,000 | $205,000 |
| Application Denied By Financial Institution | 96 | $7,326,000 | $76,000 | $240,000 | $47,000 | $459,000 |
| Application Withdrawn By Applicant | 41 | $4,331,000 | $105,000 | $275,000 | $58,000 | $546,000 |
| Loan Purchased By The Institution | 32 | $2,884,000 | $90,000 | $184,000 | $41,000 | $98,000 |
| Application Approved But Not Accepted | 13 | $1,286,000 | $98,000 | $240,000 | $50,000 | $160,000 |
| File Closed For Incompleteness | 7 | $619,000 | $88,000 | $157,000 | $35,000 | $54,000 |
| 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 | 19 | $878,000 | $46,000 | $122,000 | $53,000 | $459,000 |
| Debt-To-Income Ratio | 14 | $951,000 | $67,000 | $131,000 | $31,000 | $62,000 |
| Collateral | 14 | $1,369,000 | $97,000 | $240,000 | $57,000 | $240,000 |
| Other | 6 | $423,000 | $70,000 | $174,000 | $66,000 | $144,000 |
| Employment History | 3 | $171,000 | $57,000 | $88,000 | $47,000 | $69,000 |
| Unverifiable Information | 2 | $245,000 | $122,000 | $125,000 | $115,000 | $144,000 |
| Credit Application Incomplete | 1 | $153,000 | $153,000 | $153,000 | $52,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $84,000 | $84,000 | $84,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 1 | $198,000 | $198,000 | $198,000 | $78,000 | $78,000 |
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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