Monroe County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 221 mortgage applications in Monroe County, KY totaling $15.2 million, down 6% from 2013. The average application was for $68,000, and applicants reported an average income of $59,000. 57% of applications resulted in an originated loan and 27% were denied. The most active lender was South Central Bank of Monroe, with 54 applications, followed by Edmonton State Bank and US 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 | 221 |
| Total Mortgage Loan Application Amount | $15,237,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $550,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $1,239,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| South Central Bank of Monroe 320 NORTH MAIN STREET TOMPKINSVILLE, KY 42167 |
* | $ 115,148,000 | 54 | $ 3,277,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ 452,711,000 | 52 | $ 2,957,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 28 | $ 1,567,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 881,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 12 | $ 2,589,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 6 | $ 251,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 5 | $ 392,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 4 | $ 298,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 3 | $ 150,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 308,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 275,000 |
| Macon Bank and Trust Company 609 RED BOILING SPRINGS ROAD LAFAYETTE, TN 37083 |
* | $ 334,939,000 | 3 | $ 90,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 83,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 172,000 |
| Wellworth Bank 400 HWY 52 BYPASS WEST LAFAYETTE, TN 37083 |
* | $ 648,295,000 | 2 | $ 68,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 2 | $ 175,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 245,863,000 | 2 | $ 104,000 |
| Mwabank 100 17TH STREET ROCK ISLAND, IL 61201 |
* | $ 246,270,000 | 1 | $ 171,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 58,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 1 | $ 87,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 1 | $ 4,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 38,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 175,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 1 | $ 56,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 1 | $ 102,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,351,095,000 | 1 | $ 71,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 93,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 42,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 50,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 75,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 79,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 144,156,000 | 1 | $ 115,000 |
The tables below break down 2014 mortgage applications in Monroe 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 Monroe County, KY in 2014
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 | 94 | $5,985,000 | $63,000 | $550,000 | $59,000 | $1,239,000 |
| Refinancing | 94 | $8,117,000 | $86,000 | $445,000 | $65,000 | $680,000 |
| Home Improvement | 33 | $1,135,000 | $34,000 | $140,000 | $41,000 | $92,000 |
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 | 188 | $11,830,000 | $62,000 | $374,000 | $54,000 | $632,000 |
| Not Provided | 16 | $2,021,000 | $126,000 | $550,000 | $114,000 | $1,239,000 |
| Not applicable | 8 | $680,000 | $85,000 | $155,000 | $0 | $0 |
| Black or African American | 4 | $140,000 | $35,000 | $58,000 | $30,000 | $60,000 |
| American Indian or Alaskan Native | 3 | $487,000 | $162,000 | $266,000 | $313,000 | $680,000 |
| Hispanic | 2 | $79,000 | $39,000 | $55,000 | $25,000 | $37,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 198 | $13,430,000 | $67,000 | $550,000 | $61,000 | $1,239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 9 | $609,000 | $67,000 | $114,000 | $29,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 8 | $794,000 | $99,000 | $108,000 | $57,000 | $111,000 |
| FHA-insured (Federal Housing Administration) | 6 | $404,000 | $67,000 | $79,000 | $34,000 | $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 | 125 | $8,628,000 | $69,000 | $374,000 | $75,000 | $1,239,000 |
| Application Denied By Financial Institution | 59 | $3,446,000 | $58,000 | $445,000 | $34,000 | $92,000 |
| Application Approved But Not Accepted | 18 | $1,309,000 | $72,000 | $301,000 | $65,000 | $432,000 |
| Application Withdrawn By Applicant | 9 | $1,090,000 | $121,000 | $550,000 | $32,000 | $101,000 |
| Loan Purchased By The Institution | 8 | $587,000 | $73,000 | $114,000 | $14,000 | $42,000 |
| File Closed For Incompleteness | 2 | $177,000 | $88,000 | $102,000 | $38,000 | $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 | 13 | $569,000 | $43,000 | $133,000 | $36,000 | $63,000 |
| Collateral | 5 | $463,000 | $92,000 | $171,000 | $42,000 | $60,000 |
| Debt-To-Income Ratio | 3 | $153,000 | $51,000 | $67,000 | $28,000 | $36,000 |
| Other | 2 | $83,000 | $41,000 | $68,000 | $72,000 | $92,000 |
| Credit Application Incomplete | 1 | $87,000 | $87,000 | $87,000 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 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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