Owsley County, KY Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 27 mortgage applications in Owsley County, KY totaling $1.7 million, up 35% from 2014. The average application was for $63,000, and applicants reported an average income of $50,000. 37% of applications resulted in an originated loan and 37% were denied. The most active lender was Peoples Exchange Bank, with 4 applications, followed by Amerisave Mortgage Company and 21st Mortgage.
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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 | 27 |
| Total Mortgage Loan Application Amount | $1,708,000 |
| Average Mortgage Loan Application Amount | $63,000 |
| Highest Mortgage Loan Application Amount | $122,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $125,000 |
| 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 |
* | $ 336,096,000 | 4 | $ 81,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 150,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 66,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 238,000 |
| Alliance Credit, LLC 7825 W. AKRON-CANFIELD RD CANFIELD, OH 44406 |
* | $ 56,032,000 | 1 | $ 105,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 689,333,000 | 1 | $ 56,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 708,292,000 | 1 | $ 23,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,699,771,000 | 1 | $ 35,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 979,204,000 | 1 | $ 61,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 112,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 66,111,039,000 | 1 | $ 59,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,356,442,000,000 | 1 | $ 60,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 398,978,359,000 | 1 | $ 35,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 1 | $ 41,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,074,981,000,000 | 1 | $ 84,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 60,000 |
The tables below break down 2015 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 2015
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 | 15 | $1,139,000 | $75,000 | $122,000 | $53,000 | $125,000 |
| Home Purchase | 11 | $566,000 | $51,000 | $105,000 | $49,000 | $123,000 |
| Home Improvement | 1 | $3,000 | $3,000 | $3,000 | $23,000 | $23,000 |
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 | 23 | $1,329,000 | $57,000 | $122,000 | $48,000 | $125,000 |
| Not applicable | 2 | $144,000 | $72,000 | $84,000 | $57,000 | $115,000 |
| Not Provided | 2 | $235,000 | $117,000 | $121,000 | $76,000 | $125,000 |
| 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 |
| Hispanic | 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) | 17 | $844,000 | $49,000 | $115,000 | $57,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 8 | $739,000 | $92,000 | $122,000 | $42,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $84,000 | $84,000 | $84,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $41,000 | $41,000 | $41,000 | $57,000 | $57,000 |
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 | 10 | $579,000 | $57,000 | $114,000 | $50,000 | $125,000 |
| Application Denied By Financial Institution | 10 | $690,000 | $69,000 | $122,000 | $47,000 | $125,000 |
| Application Withdrawn By Applicant | 2 | $126,000 | $63,000 | $106,000 | $29,000 | $49,000 |
| Application Approved But Not Accepted | 2 | $146,000 | $73,000 | $105,000 | $51,000 | $57,000 |
| Loan Purchased By The Institution | 2 | $144,000 | $72,000 | $84,000 | $57,000 | $115,000 |
| File Closed For Incompleteness | 1 | $23,000 | $23,000 | $23,000 | $123,000 | $123,000 |
| 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 |
|---|---|---|---|---|---|---|
| Employment History | 1 | $61,000 | $61,000 | $61,000 | $60,000 | $60,000 |
| Credit Application Incomplete | 1 | $121,000 | $121,000 | $121,000 | $125,000 | $125,000 |
| Credit History | 1 | $41,000 | $41,000 | $41,000 | $10,000 | $10,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $26,000 | $26,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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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