Owen County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 344 mortgage applications in Owen County, KY totaling $37.3 million, down 19% from 2013. The average application was for $108,000, and applicants reported an average income of $77,000. 48% of applications resulted in an originated loan and 24% were denied. The most active lender was First Farmers Bank & Trust Co., with 43 applications, followed by American Mortgage Service Company and Wells Fargo 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 | 344 |
| Total Mortgage Loan Application Amount | $37,265,000 |
| Average Mortgage Loan Application Amount | $108,000 |
| Highest Mortgage Loan Application Amount | $500,000 |
| Average Applicant Income | $77,000 |
| Highest Applicant Income | $4,234,000 |
* 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 |
|---|---|---|---|---|
| First Farmers Bank & Trust Co. 127 NORTH THOMAS ST./PO BOX 188 OWENTON, KY 40359 |
* | $ 112,176,000 | 43 | $ 3,271,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 20 | $ 1,690,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 18 | $ 2,099,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 18 | $ 2,255,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 18 | $ 1,272,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 13 | $ 824,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 13 | $ 1,045,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,856,362,000 | 12 | $ 1,907,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 11 | $ 1,374,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 943,977,000 | 11 | $ 1,032,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 10 | $ 1,151,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 10 | $ 1,918,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 813,894,000 | 8 | $ 1,270,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 8 | $ 1,549,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 6 | $ 793,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 5 | $ 516,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 5 | $ 654,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 511,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 951,283,000 | 5 | $ 474,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 4 | $ 450,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 4 | $ 210,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 59,304,805,000 | 4 | $ 463,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 3 | $ 366,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 3 | $ 312,000 |
| Farmers Bank of Milton 41 FERRY ST. MILTON, KY 40045 |
* | $ 221,102,000 | 3 | $ 411,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 3 | $ 474,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 545,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 3 | $ 203,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 3 | $ 410,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 203,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 221,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 835,729,000 | 2 | $ 219,000 |
| Summit Funding.Inc 2135 BUTANO DRIVE SUITE 150 SACRAMENTO, CA 95825 |
* | $ 1,000,000,000 | 2 | $ 329,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 2 | $ 260,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,847,543,000 | 2 | $ 264,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 523,728,000 | 2 | $ 217,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 429,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 2 | $ 214,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 299,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 2 | $ 260,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,346,747,000,000 | 2 | $ 160,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 2 | $ 30,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 131,000 |
| 1st Alliance Lending, LLC 111 FOUNDERS PLAZA, SUITE 1300 EAST HARTFORD, CT 06108 |
* | $ 3,285,000 | 1 | $ 64,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 15,766,346,000 | 1 | $ 79,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ 35,475,880,000 | 1 | $ 88,000 |
| Homeward Residential, Inc. 16675 ADDISON ROAD ADDISON, TX 75001 |
* | $ 3,809,880,000 | 1 | $ 82,000 |
| Delta Community Credit Union 3270 RIVERWOOD PKWY ATLANTA, GA 30339 |
* | $ 4,499,998,000 | 1 | $ 43,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 80,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 1 | $ 153,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 320,841,000 | 1 | $ 402,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 363,451,000 | 1 | $ 3,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 2,383,571,000 | 1 | $ 58,000 |
| Talmer Bank and Trust 2301 W. BIG BEAVER RD., SUITE 200 TROY, MI 48084 |
* | $ 2,308,075,000 | 1 | $ 137,000 |
| River Valley Financial Bank 430 CLIFTY DR MADISON, IN 47250 |
* | $ 482,383,000 | 1 | $ 91,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 349,232,000 | 1 | $ 89,000 |
| United Bank & Trust 100 UNITED BANK DRIVE VERSAILLES, KY 40383 |
* | $ 540,200,000 | 1 | $ 10,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 55,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,384,836,000 | 1 | $ 38,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 51,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 68,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 150,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 98,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 142,000 |
| Cove Federal Credit Union 577 DUDLEY ROAD EDGEWOOD, KY 41017 |
* | $ 44,671,000 | 1 | $ 29,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 494,650,000 | 1 | $ 56,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 559,172,000 | 1 | $ 142,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 410,770,000 | 1 | $ 176,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 199,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 153,000 |
| Banc of California, National Association 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 3,618,297,000 | 1 | $ 133,000 |
| Warsaw Federal Savings and Loan Association 3533 WARSAW AVE CINCINNATI, OH 45205 |
* | $ 66,739,000 | 1 | $ 96,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 986,791,000 | 1 | $ 106,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,459,127,000 | 1 | $ 79,000 |
| Gulf Coast Bank and Trust 200 SAINT CHARLES AVENUE NEW ORLEANS, LA 70130 |
* | $ 982,471,000 | 1 | $ 72,000 |
| First Safety Bank 4901 VINE STREET CINCINNATI, OH 45217 |
* | $ 51,525,000 | 1 | $ 220,000 |
The tables below break down 2014 mortgage applications in Owen 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 Owen 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 | 184 | $20,219,000 | $109,000 | $500,000 | $68,000 | $2,643,000 |
| Refinancing | 121 | $14,593,000 | $120,000 | $402,000 | $94,000 | $4,234,000 |
| Home Improvement | 39 | $2,453,000 | $62,000 | $298,000 | $62,000 | $161,000 |
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 | 283 | $29,587,000 | $104,000 | $500,000 | $69,000 | $2,643,000 |
| Not applicable | 30 | $3,635,000 | $121,000 | $313,000 | $2,000 | $69,000 |
| Not Provided | 24 | $2,867,000 | $119,000 | $289,000 | $84,000 | $287,000 |
| Hispanic | 3 | $726,000 | $242,000 | $402,000 | $1,451,000 | $4,234,000 |
| American Indian or Alaskan Native | 2 | $325,000 | $162,000 | $227,000 | $166,000 | $205,000 |
| Asian | 1 | $61,000 | $61,000 | $61,000 | $72,000 | $72,000 |
| Black or African American | 1 | $64,000 | $64,000 | $64,000 | $69,000 | $69,000 |
| 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) | 232 | $24,050,000 | $103,000 | $500,000 | $94,000 | $4,234,000 |
| FHA-insured (Federal Housing Administration) | 64 | $7,157,000 | $111,000 | $276,000 | $40,000 | $110,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $3,942,000 | $112,000 | $240,000 | $34,000 | $91,000 |
| VA-guaranteed (Veterans Administration) | 13 | $2,116,000 | $162,000 | $289,000 | $60,000 | $120,000 |
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 | 164 | $17,933,000 | $109,000 | $500,000 | $110,000 | $4,234,000 |
| Application Denied By Financial Institution | 84 | $7,673,000 | $91,000 | $350,000 | $56,000 | $287,000 |
| Loan Purchased By The Institution | 39 | $5,119,000 | $131,000 | $313,000 | $16,000 | $110,000 |
| Application Approved But Not Accepted | 28 | $3,126,000 | $111,000 | $298,000 | $49,000 | $135,000 |
| Application Withdrawn By Applicant | 23 | $2,474,000 | $107,000 | $380,000 | $59,000 | $148,000 |
| File Closed For Incompleteness | 6 | $940,000 | $156,000 | $289,000 | $61,000 | $120,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 15 | $1,372,000 | $91,000 | $298,000 | $52,000 | $102,000 |
| Credit History | 13 | $1,244,000 | $95,000 | $245,000 | $61,000 | $134,000 |
| Credit Application Incomplete | 7 | $854,000 | $122,000 | $350,000 | $79,000 | $168,000 |
| Other | 7 | $599,000 | $85,000 | $244,000 | $70,000 | $161,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $217,000 | $108,000 | $148,000 | $170,000 | $287,000 |
| Unverifiable Information | 1 | $83,000 | $83,000 | $83,000 | $61,000 | $61,000 |
| Debt-To-Income Ratio | 1 | $77,000 | $77,000 | $77,000 | $16,000 | $16,000 |
| Employment History | 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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