Robertson County, KY Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 59 mortgage applications in Robertson County, KY totaling $5.0 million, down 14% from 2011. The average application was for $85,000, and applicants reported an average income of $53,000. 54% of applications resulted in an originated loan and 31% were denied. The most active lender was Citizens Deposit Bank & Trust, with 15 applications, followed by Farm Credit Mid-America, Aca and US Bk NA Nd.
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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 | 59 |
| Total Mortgage Loan Application Amount | $5,020,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $280,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $264,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Citizens Deposit Bank & Trust PO BOX 9 10 SECOND STREET VANCEBURG, KY 41179 |
* | $ 212,945,000 | 15 | $ 411,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 852,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,997,931,000 | 5 | $ 403,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 5 | $ 378,000 |
| The First National Bank of Brooksville 105 LOCUST ST BROOKSVILLE, KY 41004 |
* | $ 67,552,000 | 3 | $ 252,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 3 | $ 246,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 2 | $ 106,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 330,470,810,000 | 2 | $ 281,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,573,012,000 | 2 | $ 214,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 659,728,000 | 1 | $ 41,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 69,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,179,394,000 | 1 | $ 255,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 93,000 |
| Admirals Bank 15 PARK ROW WEST PROVIDENCE, RI 02903 |
* | $ 518,825,000 | 1 | $ 9,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,811,678,000,000 | 1 | $ 231,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 263,309,559,000 | 1 | $ 154,000 |
| Edward Jones Mortgage, LLC 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,783,443,000 | 1 | $ 135,000 |
| United Security Financial Corp 930 EAST 6600 SOUTH MURRAY, UT 84121 |
* | $ 10,000,000 | 1 | $ 255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,161,490,000,000 | 1 | $ 52,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,459,157,302,000 | 1 | $ 232,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 71,000 |
The tables below break down 2012 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 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 | 32 | $3,406,000 | $106,000 | $280,000 | $47,000 | $118,000 |
| Home Purchase | 18 | $1,480,000 | $82,000 | $231,000 | $60,000 | $264,000 |
| Home Improvement | 9 | $134,000 | $14,000 | $44,000 | $62,000 | $236,000 |
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 | 52 | $4,457,000 | $85,000 | $280,000 | $55,000 | $264,000 |
| Not Provided | 3 | $297,000 | $99,000 | $125,000 | $29,000 | $44,000 |
| Not applicable | 1 | $93,000 | $93,000 | $93,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $24,000 | $24,000 | $24,000 | $56,000 | $56,000 |
| Black or African American | 1 | $71,000 | $71,000 | $71,000 | $31,000 | $31,000 |
| Hispanic | 1 | $78,000 | $78,000 | $78,000 | $87,000 | $87,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 48 | $3,783,000 | $78,000 | $280,000 | $61,000 | $264,000 |
| FHA-insured (Federal Housing Administration) | 9 | $727,000 | $80,000 | $232,000 | $22,000 | $44,000 |
| VA-guaranteed (Veterans Administration) | 2 | $510,000 | $255,000 | $255,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $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 | 32 | $2,790,000 | $87,000 | $280,000 | $57,000 | $236,000 |
| Application Denied By Financial Institution | 18 | $1,593,000 | $88,000 | $231,000 | $55,000 | $264,000 |
| Application Withdrawn By Applicant | 5 | $309,000 | $61,000 | $94,000 | $35,000 | $67,000 |
| Application Approved But Not Accepted | 3 | $235,000 | $78,000 | $135,000 | $58,000 | $105,000 |
| Loan Purchased By The Institution | 1 | $93,000 | $93,000 | $93,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 3 | $217,000 | $72,000 | $111,000 | $59,000 | $82,000 |
| Debt-To-Income Ratio | 1 | $192,000 | $192,000 | $192,000 | $75,000 | $75,000 |
| Collateral | 1 | $56,000 | $56,000 | $56,000 | $46,000 | $46,000 |
| Credit Application Incomplete | 1 | $154,000 | $154,000 | $154,000 | $80,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $231,000 | $231,000 | $231,000 | $264,000 | $264,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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