Menifee County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 304 mortgage applications in Menifee County, KY totaling $19.9 million, up 15% from 2012. The average application was for $65,000, and applicants reported an average income of $45,000. 50% of applications resulted in an originated loan and 27% were denied. The most active lender was Traditional Bank Inc, with 122 applications, followed by Vanderbilt Mortgage and Finance, Inc and JPMorgan Chase Bank, NA.
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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 | 304 |
| Total Mortgage Loan Application Amount | $19,866,000 |
| Average Mortgage Loan Application Amount | $65,000 |
| Highest Mortgage Loan Application Amount | $269,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $285,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,077,868,000 | 122 | $ 6,178,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 26 | $ 1,508,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 19 | $ 1,507,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,441,431,000 | 15 | $ 409,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 14 | $ 1,319,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 584,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 10 | $ 918,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 749,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 340,716,000 | 9 | $ 661,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 8 | $ 477,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,617,126,000 | 6 | $ 221,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 5 | $ 445,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 4 | $ 329,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 4 | $ 387,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 700,841,000 | 3 | $ 257,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 3 | $ 455,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 283,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 3 | $ 239,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 2 | $ 250,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 791,697,000 | 2 | $ 104,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 2 | $ 169,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 2 | $ 237,000 |
| United Bank & Trust 100 UNITED BANK DRIVE VERSAILLES, KY 40383 |
* | $ 539,792,000 | 2 | $ 13,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 313,661,000 | 2 | $ 135,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 230,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 928,031,000 | 1 | $ 77,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,842,930,000 | 1 | $ 62,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 240,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 50,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 116,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 443,755,000 | 1 | $ 75,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 152,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 1 | $ 127,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 128,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 1 | $ 62,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 1 | $ 116,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 1 | $ 99,000 |
The tables below break down 2013 mortgage applications in Menifee 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 Menifee County, KY in 2013
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 | 130 | $8,465,000 | $65,000 | $240,000 | $42,000 | $165,000 |
| Refinancing | 126 | $10,442,000 | $82,000 | $269,000 | $48,000 | $285,000 |
| Home Improvement | 48 | $959,000 | $19,000 | $110,000 | $41,000 | $140,000 |
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 | 264 | $16,818,000 | $63,000 | $269,000 | $48,000 | $285,000 |
| Not Provided | 20 | $1,566,000 | $78,000 | $240,000 | $35,000 | $94,000 |
| Not applicable | 17 | $1,263,000 | $74,000 | $128,000 | $3,000 | $59,000 |
| American Indian or Alaskan Native | 2 | $95,000 | $47,000 | $77,000 | $57,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $124,000 | $124,000 | $124,000 | $36,000 | $36,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 255 | $15,052,000 | $59,000 | $269,000 | $47,000 | $270,000 |
| FHA-insured (Federal Housing Administration) | 24 | $2,487,000 | $103,000 | $167,000 | $39,000 | $285,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $1,029,000 | $79,000 | $115,000 | $22,000 | $51,000 |
| VA-guaranteed (Veterans Administration) | 12 | $1,298,000 | $108,000 | $195,000 | $27,000 | $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 | 152 | $9,144,000 | $60,000 | $269,000 | $53,000 | $270,000 |
| Application Denied By Financial Institution | 81 | $4,887,000 | $60,000 | $167,000 | $35,000 | $89,000 |
| Application Approved But Not Accepted | 30 | $1,830,000 | $61,000 | $200,000 | $43,000 | $91,000 |
| Loan Purchased By The Institution | 24 | $2,143,000 | $89,000 | $153,000 | $19,000 | $84,000 |
| Application Withdrawn By Applicant | 16 | $1,755,000 | $109,000 | $240,000 | $61,000 | $285,000 |
| File Closed For Incompleteness | 1 | $107,000 | $107,000 | $107,000 | $42,000 | $42,000 |
| 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 | 15 | $1,095,000 | $73,000 | $127,000 | $33,000 | $85,000 |
| Collateral | 6 | $636,000 | $106,000 | $144,000 | $47,000 | $63,000 |
| Debt-To-Income Ratio | 2 | $139,000 | $69,000 | $88,000 | $30,000 | $35,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $35,000 | $35,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $30,000 | $30,000 | $30,000 | $16,000 | $16,000 |
| Credit Application Incomplete | 1 | $51,000 | $51,000 | $51,000 | $0 | $0 |
| Other | 1 | $7,000 | $7,000 | $7,000 | $30,000 | $30,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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