McLean County, KY Mortgage Lenders & HMDA Data, 2008
In 2008, lenders reported 313 mortgage applications in McLean County, KY totaling $24.2 million, down 27% from 2007. The average application was for $77,000, and applicants reported an average income of $57,000. 47% of applications resulted in an originated loan and 27% were denied. The most active lender was Branch Banking and Trust Co, with 42 applications, followed by Beneficial Company LLC and Independence Bank of Kentucky.
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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 | 313 |
| Total Mortgage Loan Application Amount | $24,219,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $430,000 |
| Average Applicant Income | $57,000 |
| Highest Applicant Income | $824,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 127,698,351,000 | 42 | $ 3,156,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 32 | $ 2,002,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 649,972,000 | 32 | $ 1,985,000 |
| The Sacramento Deposit Bank P.O. BOX 228 SACRAMENTO, KY 42372 |
* | $ 57,655,000 | 22 | $ 1,698,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,028,246,000 | 16 | $ 763,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,318,888,000,000 | 12 | $ 915,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,187,631,000,000 | 9 | $ 349,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 121,054,736,000 | 9 | $ 944,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 61,450,273,000 | 8 | $ 790,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 8 | $ 988,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 429,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 33,011,920,000 | 7 | $ 586,000 |
| National City Bank 1900 E NINTH ST LOC 01-3144 CLEVELAND, OH 44114 |
* | $ 138,755,343,000 | 7 | $ 547,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,694,712,000 | 6 | $ 542,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 530,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 603,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,341,313,000 | 5 | $ 223,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 651,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,091,562,000 | 5 | $ 421,000 |
| South Central Bank of Daviess 300 SOUTHTOWN BLVD OWENSBORO, KY 42303 |
* | $ 185,390,000 | 4 | $ 256,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 4 | $ 393,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 4 | $ 427,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 232,759,503,000 | 4 | $ 206,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 4 | $ 436,000 |
| Universal Mortgage Corporation 12080 NORTH CORPORATE PKWY SUITE 100 MEQUON, WI 53092 |
* | $ 10,000,000 | 3 | $ 303,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 3 | $ 244,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 467,861,000,000 | 3 | $ 296,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,312,794,218,000 | 3 | $ 161,000 |
| Americanmtgnetwork dba Vertice TONYA YOUNG 100 N MAIN ST MAC D4001-063 WINSTON-SALEM, NC 27101 |
* | $ 473,000,000,000 | 3 | $ 277,000 |
| Wells Fargo Fin'l Kentucky Inc 800 WALNUT ST, 6TH FLOOR, MAC F4031-061 DES MOINES, IA 50309 |
* | $ 36,752,895,000 | 2 | $ 270,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 97,517,902,000 | 2 | $ 11,000 |
| First Security Bank, Inc. PO BOX 788 OWENSBORO, KY 42302 |
* | $ 141,582,000 | 2 | $ 76,000 |
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,446,452,000 | 2 | $ 62,000 |
| Eloan 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 48,624,000,000 | 2 | $ 523,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 2 | $ 152,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 2 | $ 293,000 |
| Hometown Mortgage Services Inc 5511 HWY 280 E STE 210 BIRMINGHAM, AL 35242 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Avelo Mortgage, L.L.C 250 EAST JOHN CARPENTER FREEWAY IRVING, TX 75062 |
* | $ 10,000,000 | 1 | $ 203,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 33,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 101,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Beneficial Financial I, Inc. 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 11,000,000 | 1 | $ 49,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 978,554,000 | 1 | $ 106,000 |
| Popular Housing Services 9600 WEST BRYN MAWR ROSEMONT, IL 60018 |
* | $ 11,000,000 | 1 | $ 99,000 |
| Banktrust Financial 208 N MAIN ST HENDERSON, KY 42420 |
* | $ 39,339,000 | 1 | $ 49,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 870,669,000 | 1 | $ 33,000 |
| Home Loan Investment Bank ONE HOME LOAN PLAZA WARWICK, RI 02886 |
* | $ 266,672,000 | 1 | $ 35,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 85,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 638,137,000 | 1 | $ 16,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 1 | $ 162,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 137,049,763,000 | 1 | $ 36,000 |
| Fifth Third Bank Michigan 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 53,421,606,000 | 1 | $ 63,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 175,107,526,000 | 1 | $ 52,000 |
The tables below break down 2008 mortgage applications in McLean 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 McLean County, KY in 2008
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 | 171 | $14,953,000 | $87,000 | $430,000 | $57,000 | $286,000 |
| Home Purchase | 102 | $7,912,000 | $77,000 | $255,000 | $56,000 | $824,000 |
| Home Improvement | 40 | $1,354,000 | $33,000 | $100,000 | $60,000 | $204,000 |
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 | 274 | $21,287,000 | $77,000 | $430,000 | $57,000 | $824,000 |
| Not Provided | 19 | $1,239,000 | $65,000 | $164,000 | $67,000 | $286,000 |
| Not applicable | 10 | $921,000 | $92,000 | $242,000 | $8,000 | $64,000 |
| Hispanic | 6 | $457,000 | $76,000 | $201,000 | $81,000 | $264,000 |
| American Indian or Alaskan Native | 4 | $315,000 | $78,000 | $146,000 | $67,000 | $78,000 |
| 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) | 251 | $18,379,000 | $73,000 | $430,000 | $61,000 | $824,000 |
| FHA-insured (Federal Housing Administration) | 46 | $4,786,000 | $104,000 | $251,000 | $44,000 | $153,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 12 | $657,000 | $54,000 | $75,000 | $25,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 4 | $397,000 | $99,000 | $135,000 | $46,000 | $82,000 |
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 | 146 | $11,595,000 | $79,000 | $255,000 | $67,000 | $824,000 |
| Application Denied By Financial Institution | 85 | $5,787,000 | $68,000 | $430,000 | $50,000 | $139,000 |
| Application Withdrawn By Applicant | 27 | $2,326,000 | $86,000 | $251,000 | $58,000 | $286,000 |
| Loan Purchased By The Institution | 25 | $2,593,000 | $103,000 | $246,000 | $30,000 | $78,000 |
| Application Approved But Not Accepted | 23 | $1,244,000 | $54,000 | $179,000 | $46,000 | $149,000 |
| File Closed For Incompleteness | 7 | $674,000 | $96,000 | $172,000 | $68,000 | $105,000 |
| 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 | 16 | $983,000 | $61,000 | $100,000 | $43,000 | $93,000 |
| Debt-To-Income Ratio | 14 | $945,000 | $67,000 | $225,000 | $37,000 | $83,000 |
| Collateral | 10 | $461,000 | $46,000 | $120,000 | $58,000 | $124,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $98,000 | $49,000 | $66,000 | $49,000 | $58,000 |
| Unverifiable Information | 1 | $3,000 | $3,000 | $3,000 | $25,000 | $25,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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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