Owsley County, KY Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 118 mortgage applications in Owsley County, KY totaling $5.7 million, up 30% from 2004. The average application was for $48,000, and applicants reported an average income of $32,000. 25% of applications resulted in an originated loan and 38% were denied. The most active lender was Peoples Exchange Bank, with 36 applications, followed by Vanderbilt Mortgage and Gmac Mortgage LLC.
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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 | 118 |
| Total Mortgage Loan Application Amount | $5,676,000 |
| Average Mortgage Loan Application Amount | $48,000 |
| Highest Mortgage Loan Application Amount | $203,000 |
| Average Applicant Income | $32,000 |
| Highest Applicant Income | $123,000 |
| 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 |
* | $ 222,794,000 | 36 | $ 853,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 23 | $ 805,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 7 | $ 371,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 500,990,000 | 4 | $ 151,000 |
| CU Factory Built Lending, LP 6061 IH-10 WEST SAN ANTONIO, TX 78201 |
* | $ 1,761,607,000 | 4 | $ 194,000 |
| Origen Financial Services LLC 27777 FRANKLIN ROAD SUITE 1710 SOUTHFIELD, MI 48034 |
* | $ 10,000,000 | 3 | $ 113,000 |
| Ameriquest Mortgage Company 1100 TOWN & COUNTRY ROAD ORANGE, CA 92868 |
* | $ 10,000,000 | 3 | $ 261,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 953,604,000,000 | 3 | $ 110,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 32,424,600,000 | 2 | $ 179,000 |
| Baytree Lending 10909 WEST GREENFIELD AVE STE 208 WEST ALLIS, WI 53214 |
* | $ 211,593,000 | 2 | $ 63,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 272,927,502,000 | 2 | $ 224,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,101,493,000 | 2 | $ 191,000 |
| Countrywide Home Loans 30930 RUSSELL RANCH ROAD MS WLRR-148 WESTLAKE VILLAGE, CA 91362 |
* | $ 128,495,705,000 | 2 | $ 139,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 263,000 |
| Decision One Mortgage 26525 N. RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 339,807,228,000 | 1 | $ 117,000 |
| E-Loan, Inc. 6230 STONERIDGE MALL ROAD PLEASANTON, CA 94588 |
* | $ 10,000,000 | 1 | $ 30,000 |
| First Magnus Financial Corp 603 N. WILMOT ROAD TUCSON, AZ 85711 |
* | $ 10,000,000 | 1 | $ 134,000 |
| Sovereign Bank 1130 BERKSHIRE BOULEVARD WYOMISSING, PA 19610 |
* | $ 54,454,684,000 | 1 | $ 134,000 |
| The Cit Group/Consumer Finance 1 CIT DRIVE LIVINGSTON, NJ 07039 |
* | $ 10,000,000 | 1 | $ 39,000 |
| Toyota Federal Credit Union 19001 S WESTERN AVENUE, T206 TORRANCE, CA 90501 |
* | $ 217,931,000 | 1 | $ 51,000 |
| Union Federal C/O Sky Bank 137 CLOUGH ST BOWLING GREEN, OH 43402 |
* | $ 3,718,770,000 | 1 | $ 63,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 194,436,638,000 | 1 | $ 49,000 |
| Chase Manhattan Bank USA, NA 200 WHITE CLAY CENTER DR NEWARK, DE 19711 |
* | $ 88,743,171,000 | 1 | $ 75,000 |
| Advent Mortgage, LLC 305 N HURSTBOURNE LN. SUITE 120 LOUISVILLE, KY 40222 |
* | $ 436,077,000 | 1 | $ 95,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,698,709,000 | 1 | $ 93,000 |
| Green Tree Servicing LLC 345 ST. PETER STREET ST. PAUL, MN 55102 |
* | $ 31,000,000 | 1 | $ 19,000 |
| Greenlight Financial Services 18200 VON KARMAN STE #300 IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 50,000 |
| H&R Block Mortgage Corporation 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Hfc Company LLC 140 INDUSTRIAL DRIVE ELMHURST, IL 60126 |
* | $ 97,714,234,000 | 1 | $ 5,000 |
| Indymac Bank, F.S.B. 888 EAST WALNUT ST PASADENA, CA 91101 |
* | $ 15,675,394,000 | 1 | $ 136,000 |
| Keybank National Association 100 PUBLIC SQUARE STE 600 OH-01-10-06006 CLEVELAND, OH 44113 |
* | $ 86,061,798,000 | 1 | $ 15,000 |
| Mila, Inc 6021 244TH ST. SW MOUNTLAKE TERRACE, WA 98043 |
* | $ 10,000,000 | 1 | $ 40,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Netbank Fundings Services 9710 TWO NOTCH ROAD COLUMBIA, SC 29223 |
* | $ 4,600,723,000 | 1 | $ 137,000 |
| Oak Street Mortgage 11555 N MERIDIAN ST CARMEL, IN 46032 |
* | $ 10,000,000 | 1 | $ 80,000 |
| Option One Mortgage Corp 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 88,000 |
The tables below break down 2005 mortgage applications in Owsley 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 Owsley County, KY in 2005
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 | 50 | $3,435,000 | $68,000 | $150,000 | $31,000 | $108,000 |
| Home Purchase | 43 | $1,927,000 | $44,000 | $203,000 | $31,000 | $91,000 |
| Home Improvement | 25 | $314,000 | $12,000 | $50,000 | $36,000 | $123,000 |
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 | 103 | $4,645,000 | $45,000 | $150,000 | $35,000 | $123,000 |
| Not Provided | 5 | $533,000 | $106,000 | $203,000 | $26,000 | $62,000 |
| Not applicable | 4 | $275,000 | $68,000 | $136,000 | $0 | $0 |
| Asian | 3 | $65,000 | $21,000 | $56,000 | $15,000 | $30,000 |
| Black or African American | 2 | $135,000 | $67,000 | $75,000 | $23,000 | $24,000 |
| Hispanic | 1 | $23,000 | $23,000 | $23,000 | $24,000 | $24,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 112 | $5,395,000 | $48,000 | $203,000 | $32,000 | $123,000 |
| FHA-insured (Federal Housing Administration) | 5 | $212,000 | $42,000 | $63,000 | $19,000 | $21,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $69,000 | $69,000 | $69,000 | $39,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 45 | $1,973,000 | $43,000 | $150,000 | $26,000 | $108,000 |
| Loan Originated | 30 | $1,320,000 | $44,000 | $137,000 | $36,000 | $123,000 |
| Application Withdrawn By Applicant | 22 | $1,339,000 | $60,000 | $203,000 | $36,000 | $89,000 |
| Application Approved But Not Accepted | 14 | $498,000 | $35,000 | $90,000 | $39,000 | $73,000 |
| Loan Purchased By The Institution | 5 | $361,000 | $72,000 | $136,000 | $17,000 | $69,000 |
| File Closed For Incompleteness | 2 | $185,000 | $92,000 | $125,000 | $41,000 | $47,000 |
| 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 | 18 | $653,000 | $36,000 | $150,000 | $26,000 | $46,000 |
| Other | 8 | $375,000 | $46,000 | $125,000 | $41,000 | $108,000 |
| Debt-To-Income Ratio | 3 | $88,000 | $29,000 | $63,000 | $14,000 | $21,000 |
| Credit Application Incomplete | 2 | $149,000 | $74,000 | $75,000 | $41,000 | $58,000 |
| Collateral | 1 | $35,000 | $35,000 | $35,000 | $10,000 | $10,000 |
| 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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