Ohio County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 576 mortgage applications in Ohio County, KY totaling $53.1 million, down 2% from 2009. The average application was for $92,000, and applicants reported an average income of $54,000. 44% of applications resulted in an originated loan and 25% were denied. The most active lender was Limestone Bank, Inc., with 79 applications, followed by Branch Banking and Trust Co and Bank of America, 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 | 576 |
| Total Mortgage Loan Application Amount | $53,134,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $439,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $473,000 |
* 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 |
|---|---|---|---|---|
| Limestone Bank, Inc. 2500 EASTPOINT PARKWAY LOUISVILLE, KY 40223 |
* | $ 1,825,348,000 | 79 | $ 5,251,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 57 | $ 5,470,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 40 | $ 4,209,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 33 | $ 2,199,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,845,482,000 | 29 | $ 2,277,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 28 | $ 2,456,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 24 | $ 1,530,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 17 | $ 1,600,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 16 | $ 1,744,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 15 | $ 1,487,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 15 | $ 2,345,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 13 | $ 1,443,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 13 | $ 1,185,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 12 | $ 915,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 882,619,000 | 12 | $ 1,225,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,817,638,000 | 10 | $ 1,079,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 509,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 9 | $ 362,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 8 | $ 612,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 125,649,000 | 8 | $ 881,000 |
| South Central Bank of Daviess 300 SOUTHTOWN BLVD OWENSBORO, KY 42303 |
* | $ 193,186,000 | 8 | $ 384,000 |
| First Security Bank, Inc. PO BOX 788 OWENSBORO, KY 42302 |
* | $ 217,597,000 | 8 | $ 681,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 680,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 621,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 5 | $ 905,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 5 | $ 621,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 303,704,000 | 4 | $ 345,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,208,344,000 | 4 | $ 688,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 4 | $ 559,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 3 | $ 540,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 3 | $ 351,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 459,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 304,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 3 | $ 146,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 3 | $ 267,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 395,787,000 | 2 | $ 323,000 |
| First State Bank Inc. 110 N. FIRST ST CENTRAL CITY, KY 42330 |
* | $ 46,433,000 | 2 | $ 166,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 714,326,000 | 2 | $ 338,000 |
| HSBC Mortgage Corp 2929 WALDEN AVE DEPEW, NY 14043 |
* | $ 92,958,000 | 2 | $ 186,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,157,711,000 | 2 | $ 138,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 2 | $ 235,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 2 | $ 161,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 2 | $ 164,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 2 | $ 368,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 192,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 2 | $ 128,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 2 | $ 213,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 2 | $ 137,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 348,610,000 | 1 | $ 15,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 262,383,000 | 1 | $ 74,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 25,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 881,251,000 | 1 | $ 106,000 |
| Service One Credit Union P.O. BOX 51770 BOWLING GREEN, KY 42102 |
* | $ 101,766,000 | 1 | $ 139,000 |
| Graystone Tower Bank 1826 GOOD HOPE ROAD ENOLA, PA 17025 |
* | $ 1,375,160,000 | 1 | $ 119,000 |
| Home Savings of America 35 E BROADWAY LITTLE FALLS, MN 56345 |
* | $ 477,531,000 | 1 | $ 70,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 1,506,113,000 | 1 | $ 225,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 112,000 |
| The Sacramento Deposit Bank P.O. BOX 228 SACRAMENTO, KY 42372 |
* | $ 60,641,000 | 1 | $ 214,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 88,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Republic State Mortgage Co. 2715 BISSONNET, SUITE 102 HOUSTON, TX 77005 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 73,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 148,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 106,000 |
| Kirkston Mortgage Lending 501 CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 1 | $ 79,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 1 | $ 87,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 163,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 1 | $ 150,000 |
| Merrill Lynch Credit Corp 4500 PARK GRANADA CA7-910-01-24 CALABASAS, CA 91302 |
* | $ 2,223,299,000 | 1 | $ 439,000 |
| The Farmers National Bank of Scottsville 1595 VETERANS MEMORIAL HWY SCOTTSVILLE, KY 42164 |
* | $ 220,999,000 | 1 | $ 6,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 581,565,000 | 1 | $ 99,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 1 | $ 42,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 150,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 56,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 120,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 108,000 |
The tables below break down 2010 mortgage applications in Ohio 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 Ohio County, KY in 2010
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 | 301 | $33,391,000 | $110,000 | $439,000 | $60,000 | $368,000 |
| Home Purchase | 230 | $18,102,000 | $78,000 | $295,000 | $47,000 | $473,000 |
| Home Improvement | 45 | $1,641,000 | $36,000 | $160,000 | $47,000 | $100,000 |
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 | 489 | $44,409,000 | $90,000 | $439,000 | $57,000 | $473,000 |
| Not Provided | 50 | $5,094,000 | $101,000 | $300,000 | $50,000 | $160,000 |
| Not applicable | 26 | $2,644,000 | $101,000 | $211,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $414,000 | $103,000 | $279,000 | $59,000 | $100,000 |
| Black or African American | 3 | $307,000 | $102,000 | $245,000 | $45,000 | $80,000 |
| Hispanic | 3 | $226,000 | $75,000 | $98,000 | $30,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $40,000 | $40,000 | $40,000 | $60,000 | $60,000 |
| 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) | 408 | $35,439,000 | $86,000 | $439,000 | $58,000 | $473,000 |
| FHA-insured (Federal Housing Administration) | 125 | $13,011,000 | $104,000 | $265,000 | $48,000 | $300,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 25 | $2,187,000 | $87,000 | $139,000 | $35,000 | $65,000 |
| VA-guaranteed (Veterans Administration) | 18 | $2,497,000 | $138,000 | $245,000 | $33,000 | $144,000 |
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 | 253 | $23,250,000 | $91,000 | $406,000 | $63,000 | $473,000 |
| Application Denied By Financial Institution | 142 | $10,787,000 | $75,000 | $439,000 | $45,000 | $155,000 |
| Loan Purchased By The Institution | 74 | $7,776,000 | $105,000 | $211,000 | $37,000 | $300,000 |
| Application Withdrawn By Applicant | 52 | $6,037,000 | $116,000 | $298,000 | $56,000 | $131,000 |
| Application Approved But Not Accepted | 33 | $2,550,000 | $77,000 | $200,000 | $47,000 | $117,000 |
| File Closed For Incompleteness | 22 | $2,734,000 | $124,000 | $352,000 | $68,000 | $216,000 |
| 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 | 45 | $2,837,000 | $63,000 | $224,000 | $42,000 | $155,000 |
| Collateral | 18 | $1,624,000 | $90,000 | $189,000 | $56,000 | $110,000 |
| Other | 15 | $826,000 | $55,000 | $133,000 | $55,000 | $100,000 |
| Debt-To-Income Ratio | 15 | $1,224,000 | $81,000 | $219,000 | $44,000 | $97,000 |
| Credit Application Incomplete | 11 | $1,255,000 | $114,000 | $439,000 | $59,000 | $117,000 |
| Employment History | 1 | $80,000 | $80,000 | $80,000 | $18,000 | $18,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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