Muhlenberg County, KY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 842 mortgage applications in Muhlenberg County, KY totaling $97.5 million, down 26% from 2022. The average application was for $115,000, and applicants reported an average income of $74,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was First Southern National Bank, with 111 applications, followed by 21st Mortgage and Old National Bank.

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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 842
Total Mortgage Loan Application Amount $97,530,000
Average Mortgage Loan Application Amount $115,000
Highest Mortgage Loan Application Amount $885,000
Average Applicant Income $74,000
Highest Applicant Income $816,000

Mortgage Company List for Lending in Muhlenberg County, KY for 2023

* 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
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 1,166,483,000 111 $ 7,235,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 79 $ 8,615,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 77 $ 5,905,000
Farmers Bank and Trust Company
201 SOUTH MAIN STREET
MARION, KY 42064
* $ 605,740,000 58 $ 6,400,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 49 $ 4,035,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 30 $ 3,100,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 29 $ 4,395,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 4,080,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 25 $ 3,375,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 3,450,913,000 20 $ 2,320,000
Sacramento Deposit Bank
P.O. BOX 228
SACRAMENTO, KY 42372
* $ 131,355,000 19 $ 2,275,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 18 $ 3,670,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 16 $ 2,140,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 15 $ 1,485,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 11 $ 705,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 11 $ 1,245,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 11 $ 1,135,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 9 $ 925,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 450,910,000 8 $ 1,270,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 8 $ 1,230,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 825,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,035,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 7 $ 1,465,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,100,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 850,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 6 $ 630,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 5 $ 345,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 505,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 5 $ 1,045,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 1,135,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 4 $ 590,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 4 $ 430,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 4 $ 310,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 4 $ 440,000
United Southern Bank
PO BOX 951
HOPKINSVILLE, KY 42241
* $ 296,662,000 4 $ 1,900,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 3 $ 575,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 3 $ 455,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 325,000
Morgantown Bank & Trust Co Inc
PO BOX 68
MORGANTOWN, KY 42261
* $ 277,592,000 3 $ 375,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 3 $ 355,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 385,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ -1,000 3 $ 145,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 385,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 3 $ 295,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 455,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 3,469,556,000 3 $ 135,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 3 $ 175,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 2 $ 210,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ 1,587,159,000 2 $ 70,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 2 $ 380,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ 3,765,448,000 2 $ 520,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 2,031,410,000 2 $ 230,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 2 $ 630,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 220,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 6,150,272,000 2 $ 120,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 220,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,734,843,000 2 $ 210,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ 895,609,000 2 $ 120,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 2 $ 1,030,000
Plains Commerce Bank
220 MAIN ST
HOVEN, SD 57450
* $ 1,054,618,000 2 $ 350,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 1 $ 475,000
Endeavor Capital, LLC
14897 CLAYTON ROAD
CHESTERFIELD, MO 63017
* $ -1,000 1 $ 105,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ 5,751,484,000 1 $ 25,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 245,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 1 $ 95,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 135,000
American Bank & Trust Company Inc.
1302 SCOTTSVILLE ROAD
BOWLING GREEN, KY 42102
* $ 661,211,000 1 $ 185,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ -1,000 1 $ 135,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 25,000
Lakeview Community Capital
4425 PONE DE LEON BLVD, MS 5-251
CORAL GABLES, FL 33146
* $ -1,000 1 $ 35,000
The Cecilian Bank
104 EAST MAIN STREET
CECILIA, KY 42724
* $ 1,401,549,000 1 $ 65,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 1 $ 185,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 105,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 85,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ -1,000 1 $ 285,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 7,197,574,000 1 $ 505,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 4,684,875,000 1 $ 115,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 4,973,142,000 1 $ 205,000
Credit Union Mortgage Associat
10800 MAIN STREET
FAIRFAX, VA 22030
* $ -1,000 1 $ 245,000
Owensboro Federal Credit Union
717 HARVARD DRIVE
OWENSBORO, KY 42301
* $ 81,824,000 1 $ 25,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 75,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 1 $ 35,000
Success Mortgage Partners, Inc
1200 S. SHELDON RD.
PLYMOUTH, MI 48170
* $ -1,000 1 $ 355,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 135,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 105,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 1 $ 125,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 1 $ 165,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 85,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 145,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 205,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 1 $ 55,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 1 $ 225,000
First United Bank & Trust Company
162 N MAIN ST
MADISONVILLE, KY 42431
* $ 514,809,000 1 $ 435,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 1 $ 45,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 155,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 75,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 145,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 165,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 85,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 85,000

The tables below break down 2023 mortgage applications in Muhlenberg 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 Muhlenberg County, KY in 2023

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 523 $71,035,000 $135,000 $885,000 $68,000 $484,000
Refinancing 116 $11,960,000 $103,000 $625,000 $92,000 $251,000
Other Purpose 71 $4,045,000 $56,000 $375,000 $78,000 $243,000
Cash-out Refinancing 71 $7,775,000 $109,000 $365,000 $82,000 $816,000
Home Improvement 55 $2,325,000 $42,000 $85,000 $80,000 $206,000
Not Applicable 6 $390,000 $65,000 $85,000 $36,000 $36,000

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 664 $71,100,000 $107,000 $625,000 $74,000 $816,000
Not applicable 97 $14,625,000 $150,000 $885,000 $52,000 $69,000
Not Provided 53 $8,635,000 $162,000 $605,000 $79,000 $287,000
Black or African American 12 $1,250,000 $104,000 $225,000 $107,000 $484,000
Hispanic 11 $1,135,000 $103,000 $165,000 $60,000 $133,000
American Indian or Alaskan Native 4 $330,000 $82,000 $105,000 $47,000 $55,000
Asian 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) 594 $59,210,000 $99,000 $885,000 $76,000 $816,000
FHA-insured (Federal Housing Administration) 146 $18,960,000 $129,000 $285,000 $63,000 $158,000
VA-guaranteed (Veterans Administration) 56 $13,600,000 $242,000 $605,000 $95,000 $313,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 46 $5,760,000 $125,000 $225,000 $55,000 $92,000

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 423 $48,555,000 $114,000 $885,000 $81,000 $313,000
Application Denied By Financial Institution 178 $18,870,000 $106,000 $505,000 $55,000 $234,000
Loan Purchased By The Institution 81 $11,855,000 $146,000 $475,000 $83,000 $152,000
Application Withdrawn By Applicant 74 $8,890,000 $120,000 $605,000 $82,000 $816,000
File Closed For Incompleteness 49 $5,515,000 $112,000 $245,000 $80,000 $484,000
Application Approved But Not Accepted 37 $3,845,000 $103,000 $525,000 $67,000 $260,000
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 584 $67,880,000 $116,000 $625,000 $80,000 $816,000
Debt-To-Income Ratio 122 $15,520,000 $127,000 $885,000 $67,000 $300,000
Credit History 91 $9,425,000 $103,000 $265,000 $53,000 $234,000
Collateral 17 $2,225,000 $130,000 $345,000 $69,000 $170,000
Credit Application Incomplete 11 $895,000 $81,000 $155,000 $71,000 $158,000
Other 8 $680,000 $85,000 $185,000 $71,000 $114,000
Unverifiable Information 5 $565,000 $113,000 $175,000 $70,000 $104,000
Insufficient Cash (Downpayment, Closing Cost) 4 $340,000 $85,000 $175,000 $92,000 $139,000
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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