Pendleton County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 637 mortgage applications in Pendleton County, KY totaling $64.1 million, down 7% from 2010. The average application was for $100,000, and applicants reported an average income of $58,000. 45% of applications resulted in an originated loan and 27% were denied. The most active lender was US Bk NA Nd, with 79 applications, followed by Fifth Third Mortgage Company and Fifth Third Bank.
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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 | 637 |
| Total Mortgage Loan Application Amount | $64,135,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $380,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $1,344,000 |
* 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 |
|---|---|---|---|---|
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 79 | $ 5,601,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 48 | $ 5,448,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 47 | $ 4,431,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 35 | $ 4,141,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 30 | $ 2,527,000 |
| Farmers National Bank 13447 DIXIE HWY P O BOX 128 WALTON, KY 41094 |
* | $ 83,258,000 | 30 | $ 2,344,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 735,798,000 | 28 | $ 3,562,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 28 | $ 2,837,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 22 | $ 2,115,000 |
| Grant County Deposit Bank 106 NORTH MAIN P.O. BOX 399 WILLIAMSTOWN, KY 41097 |
* | $ 90,881,000 | 20 | $ 1,436,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 18 | $ 1,904,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,663,790,000 | 16 | $ 2,006,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 16 | $ 1,893,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 15 | $ 1,812,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 14 | $ 837,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 14 | $ 1,824,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 14 | $ 1,744,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 11 | $ 1,011,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 66,933,000 | 10 | $ 278,000 |
| Equity Resources Inc PO BOX 5177 NEWARK, OH 43055 |
* | $ 16,280,000 | 7 | $ 568,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 6 | $ 850,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,051,060,000 | 6 | $ 731,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 5 | $ 887,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 5 | $ 886,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 5 | $ 669,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,124,635,000 | 5 | $ 628,000 |
| Citizens Bank of Northern Ky 103 CHURCHILL DRIVE NEWPORT, KY 41071 |
* | $ 249,920,000 | 4 | $ 223,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 464,871,000 | 4 | $ 120,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 4 | $ 273,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 4 | $ 615,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 424,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 3 | $ 263,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 3 | $ 151,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 3 | $ 461,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 3 | $ 444,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 661,119,000 | 3 | $ 356,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 2 | $ 78,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 164,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 2 | $ 80,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 160,000 |
| Liberty Savings Bank, FSB 3435 AIRBORNE RD, STE B WILMINGTON, OH 45177 |
* | $ 998,891,000 | 2 | $ 392,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,216,291,000,000 | 2 | $ 140,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 2 | $ 125,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 2 | $ 320,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 237,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 257,000 |
| Nationwide Advantage Mortgage 1100 LOCUST ST DES MOINES, IA 50391 |
* | $ 31,000,000 | 1 | $ 131,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 60,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 114,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 235,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 155,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 58,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 150,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 150,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 94,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 290,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 106,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 137,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 467,975,000 | 1 | $ 54,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 172,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 10,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 85,930,126,000 | 1 | $ 76,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 228,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 10,788,420,000 | 1 | $ 133,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 3,162,456,000 | 1 | $ 155,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,587,678,000 | 1 | $ 40,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 130,979,000 | 1 | $ 181,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 241,311,000 | 1 | $ 16,000 |
| Kentucky Federal S&L Assoc 1050 SCOTT STREET COVINGTON, KY 41011 |
* | $ 40,751,000 | 1 | $ 52,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 830,474,000 | 1 | $ 92,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 392,675,000 | 1 | $ 10,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 137,130,000 | 1 | $ 77,000 |
| The Merchants Bank & Trust Co. 111 N. STATE ST. WEST HARRISON, IN 47060 |
* | $ 215,525,000 | 1 | $ 252,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,761,005,000 | 1 | $ 2,000 |
| Cheviot Savings Bank 3723 GLENMORE AVE CINCINNATI, OH 45211 |
* | $ 354,696,000 | 1 | $ 134,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 1 | $ 171,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 102,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 1 | $ 15,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 106,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 16,490,790,000 | 1 | $ 249,000 |
| Charles Schwab Bank, SSB LONE TREE, CO 80124 |
* | $ 56,866,447,000 | 1 | $ 78,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 880,217,000 | 1 | $ 235,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 70,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 35,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ 1,159,238,000 | 1 | $ 66,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 187,000 |
The tables below break down 2011 mortgage applications in Pendleton 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 Pendleton County, KY in 2011
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 | 440 | $48,701,000 | $110,000 | $380,000 | $56,000 | $415,000 |
| Home Purchase | 155 | $13,295,000 | $85,000 | $240,000 | $53,000 | $534,000 |
| Home Improvement | 42 | $2,139,000 | $50,000 | $290,000 | $96,000 | $1,344,000 |
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 | 513 | $51,580,000 | $100,000 | $380,000 | $61,000 | $1,344,000 |
| Not Provided | 71 | $6,884,000 | $96,000 | $280,000 | $57,000 | $169,000 |
| Not applicable | 41 | $5,182,000 | $126,000 | $380,000 | $20,000 | $415,000 |
| Asian | 4 | $164,000 | $41,000 | $44,000 | $29,000 | $32,000 |
| Black or African American | 4 | $137,000 | $34,000 | $96,000 | $31,000 | $62,000 |
| Hispanic | 2 | $40,000 | $20,000 | $20,000 | $134,000 | $134,000 |
| American Indian or Alaskan Native | 2 | $148,000 | $74,000 | $98,000 | $145,000 | $228,000 |
| 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) | 471 | $46,527,000 | $98,000 | $380,000 | $65,000 | $1,344,000 |
| FHA-insured (Federal Housing Administration) | 128 | $13,600,000 | $106,000 | $247,000 | $40,000 | $127,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $2,220,000 | $96,000 | $161,000 | $30,000 | $52,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,788,000 | $119,000 | $291,000 | $34,000 | $69,000 |
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 | 288 | $29,169,000 | $101,000 | $380,000 | $66,000 | $534,000 |
| Application Denied By Financial Institution | 170 | $15,289,000 | $89,000 | $272,000 | $55,000 | $1,344,000 |
| Loan Purchased By The Institution | 71 | $8,889,000 | $125,000 | $380,000 | $33,000 | $415,000 |
| Application Withdrawn By Applicant | 61 | $6,517,000 | $106,000 | $291,000 | $56,000 | $134,000 |
| Application Approved But Not Accepted | 32 | $2,704,000 | $84,000 | $217,000 | $65,000 | $500,000 |
| File Closed For Incompleteness | 15 | $1,567,000 | $104,000 | $250,000 | $52,000 | $100,000 |
| 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 | 49 | $3,732,000 | $76,000 | $225,000 | $74,000 | $1,344,000 |
| Collateral | 40 | $4,324,000 | $108,000 | $249,000 | $64,000 | $131,000 |
| Debt-To-Income Ratio | 23 | $1,919,000 | $83,000 | $208,000 | $38,000 | $100,000 |
| Credit Application Incomplete | 7 | $721,000 | $103,000 | $216,000 | $48,000 | $104,000 |
| Other | 6 | $776,000 | $129,000 | $256,000 | $60,000 | $143,000 |
| Employment History | 2 | $178,000 | $89,000 | $142,000 | $27,000 | $39,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $139,000 | $139,000 | $139,000 | $69,000 | $69,000 |
| Unverifiable Information | 1 | $44,000 | $44,000 | $44,000 | $32,000 | $32,000 |
| 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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