Pendleton County, KY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 538 mortgage applications in Pendleton County, KY totaling $61.2 million, up 7% from 2017. The average application was for $113,000, and applicants reported an average income of $69,000. 48% of applications resulted in an originated loan and 25% were denied. The most active lender was US Bank, N.A., with 81 applications, followed by Fifth Third Bank and Truist 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 538
Total Mortgage Loan Application Amount $61,170,000
Average Mortgage Loan Application Amount $113,000
Highest Mortgage Loan Application Amount $485,000
Average Applicant Income $69,000
Highest Applicant Income $400,000

Mortgage Company List for Lending in Pendleton County, KY for 2018

* 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
* $ 456,025,829,000 81 $ 7,425,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 38 $ 1,940,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 28 $ 2,510,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 27 $ 3,385,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 18 $ 2,560,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 18 $ 1,750,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 17 $ 2,395,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 15 $ 2,145,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 13 $ 1,475,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 11 $ 1,005,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 11 $ 2,175,000
Cinfed Federal Credit Union
4801 KENNEDY AVE
CINCINNATI, OH 45209
* $ 423,294,000 11 $ 625,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 929,549,000 11 $ 1,475,000
Heritage Bank, Inc
1818 FLORENCE PIKE
BURLINGTON, KY 41005
* $ 762,809,000 10 $ 1,180,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,056,164,000 10 $ 1,310,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 9 $ 975,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 725,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 8 $ 1,300,000
The First National Bank of Brooksville
105 LOCUST ST
BROOKSVILLE, KY 41004
* $ 63,272,000 8 $ 860,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 7 $ 655,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,025,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 7 $ 855,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 930,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,113,495,000 5 $ 525,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,151,298,000 5 $ 415,000
Liberty Savings Bank, FSB
3435 AIRBORNE RD, STE B
WILMINGTON, OH 45177
* $ 637,492,000 5 $ 675,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 5 $ 685,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 4 $ 450,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 4 $ 760,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 4 $ 380,000
Cove Federal Credit Union
577 DUDLEY ROAD
EDGEWOOD, KY 41017
* $ 62,093,000 4 $ 290,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 4 $ 390,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 3 $ 435,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 435,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 525,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 3 $ 315,000
Summit Funding.Inc
2135 BUTANO DRIVE SUITE 150
SACRAMENTO, CA 95825
* $ -1,000 3 $ 255,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 485,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 415,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 225,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 190,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 220,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 2 $ 70,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 2 $ 270,000
Victory Community Bank
2500 CHAMBER CENTER DRIVE
FORT MITCHELL, KY 41017
* $ 176,383,000 2 $ 160,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 2 $ 190,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 2 $ 400,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 2 $ 400,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 180,000
United Bank & Capital Trust Company
125 WEST MAIN STREET
FRANKFORT, KY 46001
* $ 1,631,820,000 2 $ 160,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 989,537,000 2 $ 310,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 2,746,734,000 2 $ 290,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 180,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 445,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 1 $ 85,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ -1,000 1 $ 75,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ -1,000 1 $ 125,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 1 $ 85,000
Goldwater Bank, N.A.
2525 EAST CAMELBACK ROAD SUITE 1100
PHOENIX, AZ 85016
* $ 192,687,000 1 $ 335,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 175,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 1 $ 285,000
Western Ohio Mortgage Corporation
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 1 $ 115,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 185,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 1 $ 25,000
North Side Bank & Trust Company
4125 HAMILTON AVE
CINCINNATI, OH 45223
* $ 632,696,000 1 $ 125,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 215,000
Alliant Credit Union
11545 W TOUHY
CHICAGO, IL 60666
* $ 9,696,344,000 1 $ 35,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 65,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 205,000
Agfirst Farm Credit Bank
1901 MAIN STREET
COLUMBIA, SC 29201
* $ -1,000 1 $ 115,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 1 $ 155,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,408,261,000 1 $ 105,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 205,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 85,000
Cincinnati Federal
6581 HARRISON AVE
CINCINNATI, OH 45247
* $ 170,789,000 1 $ 145,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 165,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 363,702,000 1 $ 485,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 1 $ 135,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 85,000
Weststar Mortgage Corporation
6363 NORTH STATE HIGHWAY 161
ALBUQUERQUE, NM 87113
* $ -1,000 1 $ 335,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 165,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 2,795,857,000 1 $ 15,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 75,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 155,000
George Mason Mortgage, LLC
4100 MONUMENT CORNER DRIVE #100
PRINCE WILLIAM, VA 22030
* $ -1,000 1 $ 215,000
Keybank National Association
127 PUBLIC SQUARE
CLEVELAND, OH 44114
* $ 135,758,439,000 1 $ 175,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,175,351,000 1 $ 175,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 1 $ 45,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 155,852,000 1 $ 95,000
United Mortgage Corp.
25 MELVILLE PARK ROAD
MELVILLE, NY 11747
* $ -1,000 1 $ 215,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 1 $ 35,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 105,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 115,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 1 $ 65,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 1 $ 175,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 75,000
Farmers Deposit Bank
P O BOX 188
CYNTHIANA, KY 41031
* $ 125,584,000 1 $ 35,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 857,474,000 1 $ 175,000
Lendus, LLC
3236 STONE VALLEY ROAD W
ALAMO, CA 94507
* $ -1,000 1 $ 135,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 105,000
First Commonwealth Bank
PO BOX 400
INDIANA, PA 15701
* $ 7,281,983,000 1 $ 315,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 260,106,000 1 $ 145,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ 13,854,593,000 1 $ 15,000
The Union Bank Company
105 PROGRESSIVE DRIVE
COLUMBUS GROVE, OH 45830
* $ 778,829,000 1 $ 95,000
Hanscom Federal Credit Union
1610 EGLIN ST
HANSCOM AFB, MA 01731
* $ 1,271,868,000 1 $ 55,000

The tables below break down 2018 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 2018

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 244 $33,340,000 $136,000 $395,000 $65,000 $260,000
Refinancing 107 $11,295,000 $105,000 $335,000 $74,000 $400,000
Cash-out Refinancing 86 $10,690,000 $124,000 $485,000 $69,000 $200,000
Other Purpose 50 $2,930,000 $58,000 $165,000 $79,000 $281,000
Home Improvement 45 $2,285,000 $50,000 $175,000 $63,000 $161,000
Not Applicable 6 $630,000 $105,000 $135,000 $0 $0

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 473 $53,105,000 $112,000 $485,000 $69,000 $400,000
Not Provided 32 $3,350,000 $104,000 $395,000 $76,000 $167,000
Not applicable 26 $3,970,000 $152,000 $485,000 $67,000 $67,000
Hispanic 4 $460,000 $115,000 $205,000 $48,000 $71,000
Black or African American 2 $220,000 $110,000 $155,000 $83,000 $115,000
American Indian or Alaskan Native 1 $65,000 $65,000 $65,000 $2,000 $2,000
Asian 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) 390 $40,410,000 $103,000 $395,000 $73,000 $400,000
FHA-insured (Federal Housing Administration) 84 $10,110,000 $120,000 $285,000 $53,000 $162,000
VA-guaranteed (Veterans Administration) 35 $6,995,000 $199,000 $485,000 $68,000 $177,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $3,655,000 $126,000 $205,000 $50,000 $85,000

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 259 $31,705,000 $122,000 $485,000 $75,000 $305,000
Application Denied By Financial Institution 137 $12,105,000 $88,000 $445,000 $62,000 $400,000
Application Withdrawn By Applicant 64 $6,800,000 $106,000 $245,000 $63,000 $161,000
Loan Purchased By The Institution 39 $6,225,000 $159,000 $485,000 $70,000 $149,000
File Closed For Incompleteness 32 $3,310,000 $103,000 $235,000 $58,000 $194,000
Application Approved But Not Accepted 7 $1,025,000 $146,000 $335,000 $95,000 $189,000
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
Not applicable 387 $47,555,000 $122,000 $485,000 $71,000 $305,000
Credit History 50 $4,080,000 $81,000 $205,000 $64,000 $150,000
Debt-To-Income Ratio 47 $4,655,000 $99,000 $345,000 $59,000 $163,000
Collateral 19 $1,115,000 $58,000 $165,000 $68,000 $138,000
Other 18 $1,630,000 $90,000 $215,000 $81,000 $400,000
Credit Application Incomplete 12 $1,180,000 $98,000 $285,000 $58,000 $140,000
Insufficient Cash (Downpayment, Closing Cost) 3 $445,000 $148,000 $215,000 $50,000 $56,000
Unverifiable Information 1 $65,000 $65,000 $65,000 $100,000 $100,000
Employment History 1 $445,000 $445,000 $445,000 $80,000 $80,000
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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