Pike County, KY Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 3,645 mortgage applications in Pike County, KY totaling $249.8 million, down 1% from 2004. The average application was for $68,000, and applicants reported an average income of $49,000. 40% of applications resulted in an originated loan and 33% were denied. The most active lender was Community Trust Bank, Inc., with 683 applications, followed by US Bank North Dakota and Vanderbilt 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 | 3,645 |
| Total Mortgage Loan Application Amount | $249,802,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $850,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $1,200,000 |
Top Mortgage Lenders in Pike County, KY (2005)
Ranked by the number of mortgage applications each lender reported in Pike County, KY in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. Pikeville, KY |
683 | $39,676,000 | $58,000 | $68,000 |
| 2 | US Bank North Dakota Milwaukee, WI |
483 | $22,215,000 | $45,000 | $48,000 |
| 3 | Vanderbilt Mortgage Maryville, TN |
302 | $15,392,000 | $50,000 | $38,000 |
| 4 | Branch Banking and Trust Co Wilson, NC |
296 | $18,462,000 | $62,000 | $77,000 |
| 5 | Equity One Rosemont, IL |
141 | $5,956,000 | $42,000 | $41,000 |
| 6 | Citifinancial Services, Inc. Baltimore, MD |
120 | $4,996,000 | $41,000 | $35,000 |
| 7 | Delta Funding Corporation Woodbury, NY |
100 | $9,496,000 | $94,000 | $47,000 |
| 8 | Ameriquest Mortgage Company Orange, CA |
93 | $8,417,000 | $90,000 | $72,000 |
| 9 | Beneficial Company LLC Mettawa, IL |
89 | $6,236,000 | $70,000 | $49,000 |
| 10 | Countrywide Home Loans Westlake Village, CA |
88 | $8,828,000 | $100,000 | $46,000 |
The tables below break down 2005 mortgage applications in Pike 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 Pike County, KY in 2005
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 | 1,971 | $162,572,000 | $82,000 | $850,000 | $47,000 | $1,200,000 |
| Home Purchase | 1,101 | $72,830,000 | $66,000 | $494,000 | $52,000 | $1,200,000 |
| Home Improvement | 573 | $14,400,000 | $25,000 | $693,000 | $45,000 | $522,000 |
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 | 3,008 | $194,206,000 | $64,000 | $850,000 | $48,000 | $1,200,000 |
| Not Provided | 380 | $34,697,000 | $91,000 | $620,000 | $52,000 | $1,200,000 |
| Not applicable | 197 | $16,214,000 | $82,000 | $466,000 | $15,000 | $156,000 |
| Hispanic | 31 | $1,466,000 | $47,000 | $165,000 | $42,000 | $95,000 |
| American Indian or Alaskan Native | 11 | $1,220,000 | $110,000 | $323,000 | $42,000 | $84,000 |
| Black or African American | 8 | $593,000 | $74,000 | $132,000 | $60,000 | $108,000 |
| Asian | 7 | $1,264,000 | $180,000 | $400,000 | $309,000 | $742,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $142,000 | $47,000 | $76,000 | $38,000 | $39,000 |
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) | 3,571 | $244,189,000 | $68,000 | $850,000 | $49,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) | 57 | $4,077,000 | $71,000 | $173,000 | $40,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $917,000 | $83,000 | $152,000 | $28,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 6 | $619,000 | $103,000 | $115,000 | $40,000 | $67,000 |
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 | 1,470 | $94,427,000 | $64,000 | $850,000 | $62,000 | $1,200,000 |
| Application Denied By Financial Institution | 1,199 | $75,918,000 | $63,000 | $540,000 | $43,000 | $1,200,000 |
| Application Withdrawn By Applicant | 353 | $32,405,000 | $91,000 | $693,000 | $48,000 | $900,000 |
| Application Approved But Not Accepted | 327 | $20,483,000 | $62,000 | $288,000 | $50,000 | $573,000 |
| Loan Purchased By The Institution | 239 | $20,992,000 | $87,000 | $466,000 | $28,000 | $156,000 |
| File Closed For Incompleteness | 57 | $5,577,000 | $97,000 | $250,000 | $40,000 | $108,000 |
| 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 | 397 | $21,586,000 | $54,000 | $540,000 | $49,000 | $1,200,000 |
| Other | 215 | $15,943,000 | $74,000 | $300,000 | $38,000 | $470,000 |
| Debt-To-Income Ratio | 85 | $5,539,000 | $65,000 | $212,000 | $35,000 | $88,000 |
| Collateral | 63 | $5,661,000 | $89,000 | $238,000 | $48,000 | $195,000 |
| Credit Application Incomplete | 44 | $4,194,000 | $95,000 | $230,000 | $52,000 | $248,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $877,000 | $62,000 | $128,000 | $36,000 | $95,000 |
| Unverifiable Information | 12 | $686,000 | $57,000 | $94,000 | $40,000 | $144,000 |
| Employment History | 5 | $241,000 | $48,000 | $80,000 | $73,000 | $240,000 |
| 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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