McCreary County, KY Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 285 mortgage applications in McCreary County, KY totaling $22.5 million, down 42% from 2017. The average application was for $78,000, and applicants reported an average income of $49,000. 33% of applications resulted in an originated loan and 34% were denied. The most active lender was 21st Mortgage, with 65 applications, followed by Vanderbilt Mortgage and Finance, Inc and Forcht Bank, N.A..
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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 | 285 |
| Total Mortgage Loan Application Amount | $22,475,000 |
| Average Mortgage Loan Application Amount | $78,000 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $313,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 65 | $ 3,855,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 30 | $ 2,010,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,056,164,000 | 16 | $ 1,260,000 |
| The Citizens National Bank of Somerset 44 PUBLIC SQ, PO BOX 760 SOMERSET, KY 42502 |
* | $ 395,461,000 | 11 | $ 815,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 7 | $ 635,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 6 | $ 380,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 890,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,934,629,000 | 6 | $ 410,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 5 | $ 455,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 415,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 755,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 216,077,000,000 | 5 | $ 415,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 330,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ -1,000 | 4 | $ 360,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 693,307,000 | 4 | $ 320,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 4,113,495,000 | 4 | $ 170,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,149,750,000 | 4 | $ 300,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 3 | $ 245,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 3 | $ 275,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 235,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 3 | $ 285,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 345,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 295,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,751,524,000,000 | 3 | $ 215,000 |
| First National Bank of Oneida P.O. BOX 950 ONEIDA, TN 37841 |
* | $ 212,934,000 | 3 | $ 135,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 2 | $ 100,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 260,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,151,298,000 | 2 | $ 160,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 160,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 677,277,000 | 2 | $ 70,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 752,639,000 | 2 | $ 170,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 150,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 2 | $ 340,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 98,729,134,000 | 2 | $ 90,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 2 | $ 310,000 |
| 1st Signature Lending, LLC 9800 CROSSPOINT BLVD. INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 170,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 120,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 316,352,000 | 1 | $ 95,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,002,887,000 | 1 | $ 95,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,947,088,000 | 1 | $ 65,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 75,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 95,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 105,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 75,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 34,298,273,000 | 1 | $ 85,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 55,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ -1,000 | 1 | $ 45,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 45,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 80,522,766,000 | 1 | $ 75,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 225,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 85,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 104,052,030,000 | 1 | $ 155,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 55,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ -1,000 | 1 | $ 75,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 8,870,181,000 | 1 | $ 5,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 192,687,000 | 1 | $ 105,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 2,856,018,000 | 1 | $ 155,000 |
| Peoples Bank of the South 106 WEST CENTRAL AVENUE LA FOLLETTE, TN 37766 |
* | $ 149,411,000 | 1 | $ 5,000 |
The tables below break down 2018 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 2018
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 | 174 | $12,560,000 | $72,000 | $185,000 | $45,000 | $292,000 |
| Cash-out Refinancing | 54 | $6,000,000 | $111,000 | $225,000 | $54,000 | $163,000 |
| Refinancing | 36 | $2,830,000 | $78,000 | $175,000 | $59,000 | $313,000 |
| Home Improvement | 11 | $475,000 | $43,000 | $125,000 | $59,000 | $176,000 |
| Not Applicable | 5 | $255,000 | $51,000 | $85,000 | $0 | $0 |
| Other Purpose | 5 | $355,000 | $71,000 | $155,000 | $62,000 | $132,000 |
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 | 234 | $18,090,000 | $77,000 | $225,000 | $49,000 | $313,000 |
| Not Provided | 25 | $2,435,000 | $97,000 | $205,000 | $58,000 | $163,000 |
| Not applicable | 19 | $1,615,000 | $85,000 | $185,000 | $31,000 | $31,000 |
| Hispanic | 5 | $245,000 | $49,000 | $85,000 | $45,000 | $61,000 |
| American Indian or Alaskan Native | 2 | $90,000 | $45,000 | $55,000 | $12,000 | $15,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 196 | $13,630,000 | $69,000 | $225,000 | $50,000 | $313,000 |
| FHA-insured (Federal Housing Administration) | 40 | $3,550,000 | $88,000 | $205,000 | $42,000 | $163,000 |
| VA-guaranteed (Veterans Administration) | 29 | $3,665,000 | $126,000 | $205,000 | $61,000 | $114,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $1,630,000 | $81,000 | $95,000 | $37,000 | $59,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 96 | $7,340,000 | $76,000 | $225,000 | $47,000 | $313,000 |
| Loan Originated | 94 | $7,500,000 | $79,000 | $185,000 | $52,000 | $292,000 |
| File Closed For Incompleteness | 42 | $2,980,000 | $70,000 | $145,000 | $46,000 | $110,000 |
| Application Withdrawn By Applicant | 23 | $2,005,000 | $87,000 | $185,000 | $55,000 | $132,000 |
| Loan Purchased By The Institution | 23 | $2,155,000 | $93,000 | $175,000 | $60,000 | $97,000 |
| Application Approved But Not Accepted | 7 | $495,000 | $70,000 | $105,000 | $46,000 | $82,000 |
| 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 | 175 | $14,245,000 | $81,000 | $185,000 | $51,000 | $292,000 |
| Credit History | 56 | $3,580,000 | $63,000 | $225,000 | $43,000 | $176,000 |
| Debt-To-Income Ratio | 29 | $2,245,000 | $77,000 | $195,000 | $40,000 | $109,000 |
| Other | 8 | $730,000 | $91,000 | $165,000 | $29,000 | $56,000 |
| Unverifiable Information | 6 | $470,000 | $78,000 | $115,000 | $36,000 | $61,000 |
| Collateral | 6 | $750,000 | $125,000 | $205,000 | $78,000 | $132,000 |
| Credit Application Incomplete | 2 | $250,000 | $125,000 | $155,000 | $238,000 | $313,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $110,000 | $55,000 | $65,000 | $50,000 | $59,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $30,000 | $30,000 |
| 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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