Robertson County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 81 mortgage applications in Robertson County, KY totaling $6.6 million, down 17% from 2008. The average application was for $81,000, and applicants reported an average income of $58,000. 43% of applications resulted in an originated loan and 30% were denied. The most active lender was Integra Bank, with 17 applications, followed by The First National Bank of Brooksville and Wells Fargo Bank, NA.
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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 | 81 |
| Total Mortgage Loan Application Amount | $6,572,000 |
| Average Mortgage Loan Application Amount | $81,000 |
| Highest Mortgage Loan Application Amount | $259,000 |
| Average Applicant Income | $58,000 |
| Highest Applicant Income | $666,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 17 | $ 555,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 64,186,000 | 8 | $ 445,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 6 | $ 434,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 6 | $ 497,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 6 | $ 705,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 5 | $ 508,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 4 | $ 304,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 4 | $ 487,000 |
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 125,533,000 | 3 | $ 59,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 3 | $ 140,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 182,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 2 | $ 193,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 2 | $ 164,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,518,475,000 | 1 | $ 132,000 |
| Midfirst Bank 501 NW GRAND BLVD. OKLAHOMA CITY, OK 73118 |
* | $ 14,649,039,000 | 1 | $ 108,000 |
| Central Bank, FSB 301 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 176,174,000 | 1 | $ 240,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 1 | $ 127,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 1 | $ 75,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 272,520,000 | 1 | $ 76,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 1 | $ 240,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 259,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 259,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 1 | $ 77,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 1 | $ 80,000 |
The tables below break down 2009 mortgage applications in Robertson 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 Robertson County, KY in 2009
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 | 42 | $4,991,000 | $118,000 | $259,000 | $70,000 | $666,000 |
| Home Improvement | 26 | $618,000 | $23,000 | $200,000 | $52,000 | $127,000 |
| Home Purchase | 13 | $963,000 | $74,000 | $124,000 | $30,000 | $59,000 |
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 | 71 | $5,323,000 | $74,000 | $259,000 | $59,000 | $666,000 |
| Not Provided | 6 | $737,000 | $122,000 | $202,000 | $71,000 | $190,000 |
| Not applicable | 4 | $512,000 | $128,000 | $240,000 | $17,000 | $68,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 61 | $4,010,000 | $65,000 | $202,000 | $64,000 | $666,000 |
| FHA-insured (Federal Housing Administration) | 15 | $1,797,000 | $119,000 | $240,000 | $48,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 4 | $688,000 | $172,000 | $259,000 | $12,000 | $48,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $77,000 | $77,000 | $77,000 | $0 | $0 |
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 | 35 | $2,228,000 | $63,000 | $259,000 | $50,000 | $190,000 |
| Application Denied By Financial Institution | 24 | $2,089,000 | $87,000 | $196,000 | $51,000 | $215,000 |
| Loan Purchased By The Institution | 8 | $964,000 | $120,000 | $259,000 | $18,000 | $68,000 |
| Application Withdrawn By Applicant | 6 | $600,000 | $100,000 | $157,000 | $73,000 | $127,000 |
| File Closed For Incompleteness | 5 | $461,000 | $92,000 | $165,000 | $182,000 | $666,000 |
| Application Approved But Not Accepted | 3 | $230,000 | $76,000 | $113,000 | $70,000 | $92,000 |
| 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 | 6 | $242,000 | $40,000 | $94,000 | $42,000 | $127,000 |
| Debt-To-Income Ratio | 5 | $400,000 | $80,000 | $172,000 | $26,000 | $47,000 |
| Collateral | 3 | $409,000 | $136,000 | $190,000 | $69,000 | $110,000 |
| Unverifiable Information | 1 | $127,000 | $127,000 | $127,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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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