Pendleton County, KY Mortgage Lenders & HMDA Data, 2013

In 2013, lenders reported 790 mortgage applications in Pendleton County, KY totaling $84.3 million, up 2% from 2012. The average application was for $106,000, and applicants reported an average income of $60,000. 46% of applications resulted in an originated loan and 28% were denied. The most active lender was US Bank, N.A., with 131 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 790
Total Mortgage Loan Application Amount $84,276,000
Average Mortgage Loan Application Amount $106,000
Highest Mortgage Loan Application Amount $1,400,000
Average Applicant Income $60,000
Highest Applicant Income $888,000

Mortgage Company List for Lending in Pendleton County, KY for 2013

* 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 Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 345,088,616,000 131 $ 11,458,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 119,444,656,000 82 $ 8,013,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 119,444,656,000 55 $ 4,478,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,266,125,000,000 43 $ 5,434,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 817,138,000 35 $ 4,899,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 27 $ 3,283,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ 489,923,000 23 $ 2,038,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 20 $ 1,745,000
The First National Bank of Brooksville
105 LOCUST ST
BROOKSVILLE, KY 41004
* $ 64,748,000 19 $ 1,550,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,896,773,000,000 18 $ 1,570,000
The Bank of Kentucky
111 LOOKOUT FARM DR
CRESTVIEW HILLS, KY 41017
* $ 1,842,930,000 18 $ 2,038,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 17 $ 2,240,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 295,026,390,000 16 $ 1,490,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 178,034,172,000 15 $ 2,111,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,474,077,383,000 13 $ 1,521,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 13 $ 1,159,000
Grant County Deposit Bank
106 NORTH MAIN P.O. BOX 399
WILLIAMSTOWN, KY 41097
* $ 88,258,000 13 $ 642,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 11 $ 1,049,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 11 $ 748,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 950,246,000 10 $ 564,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 9 $ 917,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 55,954,625,000 8 $ 502,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 14,247,622,000 8 $ 764,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 137,781,000 7 $ 831,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 7 $ 1,435,000
First Place Bank
185 EAST MARKET
WARREN, OH 44481
* $ 2,590,320,000 6 $ 1,595,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,532,387,000 6 $ 909,000
Citizens Bank of Northern Ky
103 CHURCHILL DRIVE
NEWPORT, KY 41071
* $ 250,755,000 6 $ 639,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ 10,000,000 5 $ 429,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ 10,000,000 5 $ 695,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 5 $ 705,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,313,401,000,000 5 $ 351,000
Flagstar Bank NA

TROY, MI 49098
* $ 14,069,057,000 5 $ 551,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 58,597,476,000 5 $ 325,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 784,518,000 4 $ 558,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 4 $ 67,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ 10,000,000 4 $ 298,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 312,860,000 4 $ 663,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 3 $ 516,000
First State Mortgage Services
502 N HERSHEY ROAD
BLOOMINGTON, IL 61704
* $ 327,995,000 3 $ 289,000
Homeowners Mortgage of America
100 GALLERIA PARKWAY STE 1400
ATLANTA, GA 30339
* $ 10,000,000 3 $ 311,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 52,436,123,000 3 $ 326,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 700,841,000 3 $ 641,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 2 $ 429,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 9,864,946,000 2 $ 122,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 559,606,000 2 $ 8,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 2 $ 190,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 2 $ 177,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 2 $ 137,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 298,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 2 $ 178,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 2 $ 210,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ 40,000,000 2 $ 312,000
1st Alliance Lending, LLC
111 FOUNDERS PLAZA, SUITE 1300
EAST HARTFORD, CT 06108
* $ 3,285,000 1 $ 90,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ 10,000,000 1 $ 190,000
Centerbank
744 STATE ROUTE 28
MILFORD, OH 45150
* $ 113,447,000 1 $ 155,000
Banktrust Financial
208 N MAIN ST
HENDERSON, KY 42420
* $ 82,600,000 1 $ 290,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 374,958,000 1 $ 57,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 270,671,000 1 $ 90,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 1 $ 141,000
The American Eagle Mortgage Co
6145 PARK SQUARE DRIVE SUITE 3
LORAIN, OH 44053
* $ 10,000,000 1 $ 178,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 340,716,000 1 $ 125,000
First Mariner Bank
3301 BOSTON STREET
BALTIMORE, MD 21224
* $ 1,376,094,000 1 $ 170,000
First Security Trust Bank
7135 HOUSTON ROAD
FLORENCE, KY 41042
* $ 96,426,000 1 $ 153,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 1,672,741,000 1 $ 140,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 168,000
Warsaw Federal Savings and Loan Association
3533 WARSAW AVE
CINCINNATI, OH 45205
* $ 66,277,000 1 $ 164,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,891,810,000 1 $ 65,000
First Equity Mortgage Inc
211 GRANDVIEW DRIVE, SUITE 102
FT MITCHELL, KY 41017
* $ 31,000,000 1 $ 125,000
Residential Finance Corporatio
1 EASTON OVAL #400
COLUMBUS, OH 43219
* $ 17,533,484,000 1 $ 112,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ 10,000,000 1 $ 284,000
Citizens Commerce Bank
534 MARSAILLES ROAD
VERSAILLES, KY 40383
* $ 222,045,000 1 $ 130,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 83,000
PHH Home Loans, LLC
1 MORTGAGE WAY 2ND FLOOR
MT LAUREL, NJ 08054
* $ 4,597,939,000 1 $ 285,000
James B. Nutter & Co.
4153 BROADWAY
KANSAS CITY, MO 64111
* $ 31,000,000 1 $ 105,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ 10,000,000 1 $ 145,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ 10,000,000 1 $ 149,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ 35,000,000,000 1 $ 126,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,617,126,000 1 $ 93,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 95,264,963,000 1 $ 417,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 87,043,364,000 1 $ 24,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 82,086,021,000 1 $ 225,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 15,532,278,000 1 $ 124,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 791,697,000 1 $ 99,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 552,370,000 1 $ 68,000
American Bank
9001 EDMONSTON ROAD SUITE 100
GREENBELT, MD 20770
* $ 429,180,000 1 $ 105,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 1 $ 117,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 1 $ 68,000
Farm Credit Services of America, Flca
5015 S 118TH ST
OMAHA, NE 68137
* $ 10,000,000 1 $ 1,400,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ 8,226,000 1 $ 131,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ 3,809,880,000 1 $ 157,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 6,500,008,000 1 $ 615,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 169,076,807,000 1 $ 40,000
Homeservices Lending, LLC
2700 WESTOWN PARKWAY, SUITE 345
WEST DES MOINES, IA 50266
* $ 25,000,000 1 $ 220,000
Military Family Home Loans, Ll
100 N MAIN STREET MAC D4001-063
WINSTON-SALEM, NC 27101
* $ 1,102,281,049,000 1 $ 181,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 169,076,807,000 1 $ 97,000
River City Bank, Inc.
6308 GREENWOOD ROAD
LOUISVILLE, KY 40202
* $ 278,420,000 1 $ 93,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 6,680,971,000 1 $ 124,000
Discover Home Loans, Inc.
173 TECHNOLOGY DRIVE
IRVINE, CA 92618
* $ 73,491,315,000 1 $ 74,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 18,212,833,000 1 $ 41,000
Ally Bank
2101 REXFORD ROAD, SUITE 350W
CHARLOTTE, NC 28211
* $ 94,795,926,000 1 $ 128,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 73,000

The tables below break down 2013 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 2013

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 477 $54,237,000 $113,000 $1,400,000 $60,000 $540,000
Home Purchase 259 $27,415,000 $105,000 $565,000 $55,000 $888,000
Home Improvement 54 $2,624,000 $48,000 $170,000 $81,000 $498,000

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 561 $60,453,000 $107,000 $615,000 $64,000 $888,000
Not Provided 168 $15,381,000 $91,000 $300,000 $61,000 $498,000
Not applicable 45 $7,131,000 $158,000 $1,400,000 $3,000 $81,000
American Indian or Alaskan Native 6 $291,000 $48,000 $141,000 $68,000 $104,000
Hispanic 6 $757,000 $126,000 $220,000 $66,000 $139,000
Asian 2 $190,000 $95,000 $98,000 $54,000 $58,000
Black or African American 1 $5,000 $5,000 $5,000 $42,000 $42,000
Native Hawaiian or Other Pacific Islander 1 $68,000 $68,000 $68,000 $60,000 $60,000

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) 584 $60,131,000 $102,000 $1,400,000 $67,000 $888,000
FHA-insured (Federal Housing Administration) 148 $16,273,000 $109,000 $278,000 $36,000 $540,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 37 $4,020,000 $108,000 $235,000 $41,000 $79,000
VA-guaranteed (Veterans Administration) 21 $3,852,000 $183,000 $316,000 $45,000 $109,000

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 364 $40,941,000 $112,000 $1,400,000 $67,000 $888,000
Application Denied By Financial Institution 218 $20,867,000 $95,000 $417,000 $56,000 $430,000
Loan Purchased By The Institution 75 $9,292,000 $123,000 $284,000 $27,000 $212,000
Application Withdrawn By Applicant 64 $6,876,000 $107,000 $260,000 $58,000 $136,000
Application Approved But Not Accepted 44 $3,922,000 $89,000 $320,000 $81,000 $540,000
File Closed For Incompleteness 25 $2,378,000 $95,000 $183,000 $53,000 $129,000
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 76 $6,601,000 $86,000 $284,000 $70,000 $430,000
Collateral 51 $5,222,000 $102,000 $417,000 $55,000 $205,000
Debt-To-Income Ratio 21 $1,632,000 $77,000 $193,000 $42,000 $115,000
Other 12 $1,102,000 $91,000 $300,000 $39,000 $102,000
Unverifiable Information 6 $387,000 $64,000 $95,000 $40,000 $81,000
Credit Application Incomplete 5 $606,000 $121,000 $300,000 $55,000 $124,000
Insufficient Cash (Downpayment, Closing Cost) 2 $392,000 $196,000 $288,000 $110,000 $153,000
Employment History 1 $300,000 $300,000 $300,000 $86,000 $86,000
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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