Owsley County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 20 mortgage applications in Owsley County, KY totaling $1.2 million, down 60% from 2013. The average application was for $57,000, and applicants reported an average income of $46,000. 45% of applications resulted in an originated loan and 30% were denied. The most active lender was 21st Mortgage, with 4 applications, followed by Peoples Exchange Bank and Appalachian Community Federal Credit Union.
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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 | 20 |
| Total Mortgage Loan Application Amount | $1,151,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $122,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $102,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 4 | $ 258,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 320,841,000 | 4 | $ 62,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 169,878,000 | 2 | $ 54,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 1 | $ 90,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 1 | $ 24,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 63,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 108,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 757,751,000 | 1 | $ 50,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 862,016,000 | 1 | $ 38,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 943,977,000 | 1 | $ 121,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 1 | $ 104,000 |
| Capital Bank, N.A. ONE CHURCH ST SUITE 300 ROCKVILLE, MD 20850 |
* | $ 485,792,000 | 1 | $ 90,000 |
The tables below break down 2014 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 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 | 11 | $628,000 | $57,000 | $122,000 | $48,000 | $102,000 |
| Refinancing | 6 | $456,000 | $76,000 | $121,000 | $41,000 | $87,000 |
| Home Improvement | 3 | $67,000 | $22,000 | $38,000 | $45,000 | $77,000 |
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 | 15 | $715,000 | $47,000 | $122,000 | $45,000 | $87,000 |
| Not applicable | 2 | $167,000 | $83,000 | $104,000 | $0 | $0 |
| Hispanic | 2 | $180,000 | $90,000 | $90,000 | $81,000 | $102,000 |
| Not Provided | 1 | $89,000 | $89,000 | $89,000 | $69,000 | $69,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 17 | $895,000 | $52,000 | $122,000 | $50,000 | $102,000 |
| FHA-insured (Federal Housing Administration) | 3 | $256,000 | $85,000 | $104,000 | $23,000 | $69,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 9 | $431,000 | $47,000 | $122,000 | $52,000 | $87,000 |
| Application Denied By Financial Institution | 6 | $336,000 | $56,000 | $90,000 | $51,000 | $77,000 |
| Application Withdrawn By Applicant | 2 | $127,000 | $63,000 | $108,000 | $20,000 | $27,000 |
| Loan Purchased By The Institution | 2 | $167,000 | $83,000 | $104,000 | $0 | $0 |
| File Closed For Incompleteness | 1 | $90,000 | $90,000 | $90,000 | $102,000 | $102,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2 | $128,000 | $64,000 | $90,000 | $42,000 | $60,000 |
| Collateral | 1 | $89,000 | $89,000 | $89,000 | $69,000 | $69,000 |
| Unverifiable Information | 1 | $24,000 | $24,000 | $24,000 | $77,000 | $77,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 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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