Montgomery County, KY Mortgage Lenders & HMDA Data, 2012

In 2012, lenders reported 1,358 mortgage applications in Montgomery County, KY totaling $144.9 million, up 8% from 2011. The average application was for $106,000, and applicants reported an average income of $56,000. 49% of applications resulted in an originated loan and 20% were denied. The most active lender was Peoples Exchange Bank, with 175 applications, followed by Traditional Bank Inc and Vanderbilt Mortgage and Finance, Inc.

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Total Number of Mortgage Applications 1,358
Total Mortgage Loan Application Amount $144,873,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $1,029,000
Average Applicant Income $56,000
Highest Applicant Income $524,000

Mortgage Company List for Lending in Montgomery County, KY for 2012

* 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
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 352,621,000 175 $ 16,217,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,078,796,000 154 $ 14,545,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 112 $ 6,605,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,161,490,000,000 107 $ 13,420,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,811,678,000,000 93 $ 10,790,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,573,012,000 85 $ 8,348,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 283,544,000 65 $ 7,808,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 330,470,810,000 56 $ 6,789,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 30 $ 3,519,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,736,579,000 29 $ 3,435,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 1,908,559,000 26 $ 3,120,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 24 $ 3,129,000
US Bk NA Nd
4325 17TH AVENUE, S.W.
FARGO, ND 58103
* $ 5,997,931,000 21 $ 1,959,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 20 $ 2,642,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 114,540,379,000 18 $ 2,214,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 15 $ 1,504,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 15 $ 2,923,000
Winfirst Bank
57 SOUTH MAIN STREET
WINCHESTER, KY 40391
* $ 164,113,000 13 $ 1,390,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,496,537,000 12 $ 674,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 12 $ 444,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,459,157,302,000 11 $ 1,287,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 659,728,000 11 $ 1,215,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 10 $ 1,159,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 811,158,000 9 $ 1,175,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 897,005,000 9 $ 921,000
First Federal Bank
2452 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 128,108,000 8 $ 1,105,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 8 $ 942,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 7 $ 1,079,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ 10,000,000 7 $ 764,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 7 $ 934,000
Home Loan Center, Inc.
11115 RUSHMORE DRIVE
CHARLOTTE, NC 28277
* $ 10,000,000 6 $ 728,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 6 $ 850,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,288,658,000,000 6 $ 950,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,623,469,000 6 $ 1,282,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 6 $ 72,000
Service Finance Company, LLC
555 S FEDERAL HIGHWAY SUITE 200
BOCA RATON, FL 33432
* $ 10,000,000 6 $ 61,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,898,665,000 5 $ 309,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 5 $ 692,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 263,309,559,000 5 $ 455,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 168,867,640,000 5 $ 482,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 52,181,685,000 5 $ 958,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 46,925,466,000 4 $ 361,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 4 $ 349,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 85,381,954,000 4 $ 315,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 4 $ 449,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 4 $ 546,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ 502,411,000 4 $ 295,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 4 $ 596,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 291,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 3 $ 323,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 422,177,000 3 $ 44,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 171,291,705,000 3 $ 324,000
Crescent Mortgage Company
5901 PEACHTREE DUNWOODY RD NE BLG C, 250
ATLANTA, GA 30328
* $ 826,484,000 3 $ 318,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 3 $ 599,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 3 $ 267,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 447,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 3 $ 571,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 316,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 3 $ 386,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ 10,000,000 2 $ 187,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 76,887,082,000 2 $ 237,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 114,540,379,000 2 $ 132,000
American Southwest Mortgage Corp.
5900 MOSTELLER DRIVE SUITE 10
OKLAHOMA CITY, OK 73112
* $ 143,000,000 2 $ 249,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ 10,000,000 2 $ 339,000
Members Heritage FCU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 300,669,000 2 $ 58,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 840,006,000 2 $ 59,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,790,194,000 2 $ 158,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 419,837,000 1 $ 417,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 583,350,000 1 $ 35,000
Cole Taylor Bank
9550 W HIGGINS RAOD
ROSEMONT, IL 60018
* $ 4,664,742,000 1 $ 185,000
Park Community Credit Union
6101 FERN VALLEY ROAD
LOUISVILLE, KY 40228
* $ 485,047,000 1 $ 37,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 5,681,476,000 1 $ 176,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 133,582,000 1 $ 108,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 101,014,000 1 $ 1,029,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 823,405,000 1 $ 70,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 1 $ 83,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 102,000
Texas Star Bank SSB
101 GASSAWAY
LOTT, TX 76656
* $ 75,989,000 1 $ 101,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ 10,000,000 1 $ 193,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ 5,889,539,000 1 $ 119,000
Residential Acceptance Corporation
5027 W LAUREL ST
TAMPA, FL 33607
* $ 10,000,000 1 $ 101,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 1 $ 227,000
Roundpoint Mortgage Company
5032 PARKWAY PLAZA BLVD, STE 200
CHARLOTTE, NC 28278
* $ 10,000,000 1 $ 166,000
Cashcall, Inc.
1 CITY BLVD WEST SUITE 1000
ORANGE, CA 92868
* $ 10,000,000 1 $ 134,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 120,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 255,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ 10,000,000 1 $ 102,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 108,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 1 $ 69,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 111,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 150,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 1 $ 311,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 235,850,000 1 $ 211,000
Access National Bank
1800 ROBERT FULTON DR
RESTON, VA 20191
* $ 808,645,000 1 $ 122,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 992,086,000 1 $ 97,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 675,932,000 1 $ 47,000
Peoples Bank, National Associa
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 1,788,701,000 1 $ 211,000
Queensborough National Bank and Trust
3617 WALTON WAY EXT.
LOUISVILLE, GA 30434
* $ 875,283,000 1 $ 182,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 554,701,000 1 $ 275,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 2,753,165,000 1 $ 5,000
Texas Bank Financial
901 SANTA FE DRIVE
WEATHERFORD, TX 76086
* $ 68,599,000 1 $ 48,000
Affiliated Mortgage Company
5700 LEGACY DRIVE STE 10
PLANO, TX 75024
* $ 212,423,000 1 $ 58,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 200,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ 242,587,000 1 $ 86,000
Cmco Mortgage, LLC dba Home Le
7851 FREEWAY CIRCLE
MIDDLEBURG HEIGHTS, OH 44130
* $ 10,000,000 1 $ 124,000

The tables below break down 2012 mortgage applications in Montgomery 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 Montgomery County, KY in 2012

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 725 $88,446,000 $121,000 $1,029,000 $62,000 $524,000
Home Purchase 548 $53,274,000 $97,000 $575,000 $47,000 $517,000
Home Improvement 85 $3,153,000 $37,000 $604,000 $67,000 $490,000

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 1,081 $114,564,000 $105,000 $604,000 $64,000 $524,000
Not applicable 158 $18,201,000 $115,000 $1,029,000 $3,000 $120,000
Not Provided 79 $7,924,000 $100,000 $251,000 $55,000 $457,000
Black or African American 26 $2,842,000 $109,000 $311,000 $63,000 $111,000
Hispanic 11 $929,000 $84,000 $184,000 $51,000 $110,000
American Indian or Alaskan Native 2 $78,000 $39,000 $63,000 $140,000 $180,000
Asian 1 $335,000 $335,000 $335,000 $136,000 $136,000
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) 944 $95,207,000 $100,000 $1,029,000 $64,000 $524,000
FHA-insured (Federal Housing Administration) 229 $26,362,000 $115,000 $273,000 $39,000 $180,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 116 $12,153,000 $104,000 $231,000 $36,000 $80,000
VA-guaranteed (Veterans Administration) 69 $11,151,000 $161,000 $524,000 $48,000 $152,000

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 666 $71,826,000 $107,000 $1,029,000 $66,000 $524,000
Application Denied By Financial Institution 265 $23,598,000 $89,000 $604,000 $53,000 $490,000
Loan Purchased By The Institution 219 $27,031,000 $123,000 $311,000 $26,000 $174,000
Application Withdrawn By Applicant 104 $13,139,000 $126,000 $417,000 $68,000 $384,000
Application Approved But Not Accepted 89 $7,293,000 $81,000 $417,000 $54,000 $340,000
File Closed For Incompleteness 15 $1,986,000 $132,000 $270,000 $55,000 $118,000
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 43 $3,820,000 $88,000 $208,000 $53,000 $130,000
Debt-To-Income Ratio 28 $2,109,000 $75,000 $230,000 $37,000 $97,000
Collateral 22 $2,592,000 $117,000 $276,000 $79,000 $239,000
Credit Application Incomplete 7 $694,000 $99,000 $273,000 $69,000 $168,000
Other 7 $926,000 $132,000 $292,000 $91,000 $215,000
Unverifiable Information 4 $504,000 $126,000 $213,000 $109,000 $337,000
Insufficient Cash (Downpayment, Closing Cost) 4 $380,000 $95,000 $143,000 $65,000 $180,000
Mortgage Insurance Denied 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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