Pendleton County, KY Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 774 mortgage applications in Pendleton County, KY totaling $83.4 million, up 22% from 2011. The average application was for $107,000, and applicants reported an average income of $58,000. 42% of applications resulted in an originated loan and 30% were denied. The most active lender was US Bk NA Nd, with 98 applications, followed by Wells Fargo Bank NA 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 | 774 |
| Total Mortgage Loan Application Amount | $83,388,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $409,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $433,000 |
* 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 |
* | $ 5,997,931,000 | 98 | $ 8,333,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 54 | $ 5,836,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 114,540,379,000 | 50 | $ 3,612,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 811,158,000 | 44 | $ 6,362,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 37 | $ 2,848,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 114,540,379,000 | 36 | $ 4,537,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 31 | $ 3,007,000 |
| The Bank of Kentucky 111 LOOKOUT FARM DR CRESTVIEW HILLS, KY 41017 |
* | $ 1,743,596,000 | 29 | $ 4,251,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 28 | $ 3,592,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 168,867,640,000 | 28 | $ 4,122,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 27 | $ 3,181,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ 397,136,000 | 25 | $ 1,556,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 23 | $ 2,621,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 21 | $ 2,434,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 67,552,000 | 20 | $ 518,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,218,607,000 | 13 | $ 2,121,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 12 | $ 606,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 12 | $ 1,099,000 |
| Grant County Deposit Bank 106 NORTH MAIN P.O. BOX 399 WILLIAMSTOWN, KY 41097 |
* | $ 89,015,000 | 9 | $ 995,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 54,183,383,000 | 9 | $ 1,023,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 992,086,000 | 8 | $ 910,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 7 | $ 712,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 6 | $ 807,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 6 | $ 635,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,288,658,000,000 | 6 | $ 644,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,736,579,000 | 6 | $ 705,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 6 | $ 638,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 1,044,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 5 | $ 551,000 |
| Cinfed Federal Credit Union 4801 KENNEDY AVE CINCINNATI, OH 45209 |
* | $ 302,826,000 | 5 | $ 644,000 |
| First Place Bank 185 EAST MARKET WARREN, OH 44481 |
* | $ 2,716,563,000 | 5 | $ 1,017,000 |
| Citizens Bank of Northern Ky 103 CHURCHILL DRIVE NEWPORT, KY 41071 |
* | $ 255,922,000 | 4 | $ 435,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 85,381,954,000 | 4 | $ 533,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 4 | $ 420,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 133,582,000 | 4 | $ 411,000 |
| Service Finance Company, LLC 555 S FEDERAL HIGHWAY SUITE 200 BOCA RATON, FL 33432 |
* | $ 10,000,000 | 4 | $ 22,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 3 | $ 520,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 2,084,000,000 | 3 | $ 90,000 |
| Access National Bank 1800 ROBERT FULTON DR RESTON, VA 20191 |
* | $ 808,645,000 | 3 | $ 848,000 |
| Centerbank 744 STATE ROUTE 28 MILFORD, OH 45150 |
* | $ 104,868,000 | 2 | $ 278,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 583,350,000 | 2 | $ 181,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 2 | $ 256,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 397,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 2 | $ 26,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 13,039,950,000 | 2 | $ 184,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 52,181,685,000 | 2 | $ 139,000 |
| Cmco Mortgage, LLC dba Home Le 7851 FREEWAY CIRCLE MIDDLEBURG HEIGHTS, OH 44130 |
* | $ 10,000,000 | 2 | $ 327,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 315,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ 10,000,000 | 2 | $ 362,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 2 | $ 341,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ 525,514,000 | 2 | $ 94,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 1,391,516,000 | 2 | $ 249,000 |
| Kentucky Federal S&L Assoc 1050 SCOTT STREET COVINGTON, KY 41011 |
* | $ 41,464,000 | 2 | $ 169,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 706,416,000 | 2 | $ 185,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,898,665,000 | 1 | $ 78,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 212,945,000 | 1 | $ 3,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 240,651,000 | 1 | $ 107,000 |
| The Merchants Bank & Trust Co. 111 N. STATE ST. WEST HARRISON, IN 47060 |
* | $ 210,297,000 | 1 | $ 247,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,908,559,000 | 1 | $ 54,000 |
| First Safety Bank 4901 VINE STREET CINCINNATI, OH 45217 |
* | $ 55,434,000 | 1 | $ 110,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 352,621,000 | 1 | $ 71,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 172,000 |
| The American Eagle Mortgage Co 6145 PARK SQUARE DRIVE SUITE 3 LORAIN, OH 44053 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 1 | $ 286,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 1 | $ 46,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 1 | $ 180,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 25,000 |
| Dsld Mortgage LLC BATON ROUGE, LA 70809 |
* | $ 222,000 | 1 | $ 83,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 57,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 300,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 86,198,836,000 | 1 | $ 42,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,623,469,000 | 1 | $ 141,000 |
| Securitynational Mortgage Company 5300 SOUTH 360 WEST SALT LAKE CITY, UT 84123 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ 10,000,000 | 1 | $ 109,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 76,887,082,000 | 1 | $ 121,000 |
| Metlife Bank, N.A. 1555 WEST WALNUT HILL LANE, STE. 200 IRVING, TX 75038 |
* | $ 25,513,620,000 | 1 | $ 130,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 108,000 |
| First Financial Bank NA 255 EAST FIFTH STREET SUITE #900 CINCINNATI, OH 45202 |
* | $ 6,663,427,000 | 1 | $ 122,000 |
| Advantage Bank 814 WHEELING AVE CAMBRIDGE, OH 43725 |
* | $ 765,926,000 | 1 | $ 155,000 |
| Homeservices Lending, LLC 2700 WESTOWN PARKWAY, SUITE 345 WEST DES MOINES, IA 50266 |
* | $ 25,000,000 | 1 | $ 223,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 171,291,705,000 | 1 | $ 157,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 419,837,000 | 1 | $ 158,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 235,866,000 | 1 | $ 19,000 |
| Victory Community Bank 2500 CHAMBER CENTER DRIVE FORT MITCHELL, KY 41017 |
* | $ 151,671,000 | 1 | $ 355,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 2,077,532,000 | 1 | $ 98,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 86,000 |
| First Security Trust Bank 7135 HOUSTON ROAD FLORENCE, KY 41042 |
* | $ 116,393,000 | 1 | $ 205,000 |
The tables below break down 2012 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 2012
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 | 513 | $60,393,000 | $117,000 | $409,000 | $63,000 | $433,000 |
| Home Purchase | 223 | $21,860,000 | $98,000 | $330,000 | $48,000 | $319,000 |
| Home Improvement | 38 | $1,135,000 | $29,000 | $205,000 | $49,000 | $108,000 |
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 | 570 | $62,678,000 | $109,000 | $409,000 | $63,000 | $433,000 |
| Not Provided | 107 | $9,314,000 | $87,000 | $270,000 | $65,000 | $353,000 |
| Not applicable | 55 | $7,114,000 | $129,000 | $372,000 | $1,000 | $60,000 |
| Black or African American | 34 | $3,537,000 | $104,000 | $350,000 | $48,000 | $85,000 |
| Hispanic | 3 | $193,000 | $64,000 | $95,000 | $24,000 | $32,000 |
| American Indian or Alaskan Native | 3 | $282,000 | $94,000 | $168,000 | $91,000 | $124,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $270,000 | $135,000 | $135,000 | $17,000 | $34,000 |
| Asian | 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) | 597 | $63,396,000 | $106,000 | $409,000 | $64,000 | $433,000 |
| FHA-insured (Federal Housing Administration) | 118 | $11,964,000 | $101,000 | $300,000 | $36,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $4,206,000 | $113,000 | $217,000 | $40,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,822,000 | $173,000 | $350,000 | $34,000 | $86,000 |
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 | 322 | $35,006,000 | $108,000 | $399,000 | $70,000 | $433,000 |
| Application Denied By Financial Institution | 235 | $23,245,000 | $98,000 | $409,000 | $57,000 | $353,000 |
| Loan Purchased By The Institution | 94 | $12,301,000 | $130,000 | $372,000 | $23,000 | $409,000 |
| Application Withdrawn By Applicant | 61 | $6,630,000 | $108,000 | $300,000 | $60,000 | $144,000 |
| Application Approved But Not Accepted | 45 | $4,462,000 | $99,000 | $223,000 | $49,000 | $160,000 |
| File Closed For Incompleteness | 17 | $1,744,000 | $102,000 | $201,000 | $57,000 | $162,000 |
| 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 | 72 | $5,857,000 | $81,000 | $282,000 | $58,000 | $353,000 |
| Collateral | 46 | $5,021,000 | $109,000 | $247,000 | $64,000 | $223,000 |
| Debt-To-Income Ratio | 23 | $1,668,000 | $72,000 | $252,000 | $36,000 | $92,000 |
| Other | 17 | $1,747,000 | $102,000 | $233,000 | $72,000 | $191,000 |
| Credit Application Incomplete | 10 | $1,575,000 | $157,000 | $409,000 | $79,000 | $135,000 |
| Unverifiable Information | 7 | $536,000 | $76,000 | $130,000 | $57,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $555,000 | $138,000 | $215,000 | $61,000 | $90,000 |
| Employment History | 2 | $238,000 | $119,000 | $187,000 | $14,000 | $29,000 |
| 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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