Robertson County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 43 mortgage applications in Robertson County, KY totaling $4.2 million, down 46% from 2013. The average application was for $97,000, and applicants reported an average income of $83,000. 67% of applications resulted in an originated loan and 16% were denied. The most active lender was US Bank, N.A., with 9 applications, followed by Farm Credit Mid-America, Aca and Citizens Deposit Bank & Trust.
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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 | 43 |
| Total Mortgage Loan Application Amount | $4,172,000 |
| Average Mortgage Loan Application Amount | $97,000 |
| Highest Mortgage Loan Application Amount | $250,000 |
| Average Applicant Income | $83,000 |
| Highest Applicant Income | $363,000 |
Top Mortgage Lenders in Robertson County, KY (2014)
Ranked by the number of mortgage applications each lender reported in Robertson County, KY in 2014.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | US Bank, N.A. Cincinnati, OH |
9 | $561,000 | $62,000 | $47,000 |
| 2 | Farm Credit Mid-America, Aca Louisville, KY |
7 | $900,000 | $128,000 | $96,000 |
| 3 | Citizens Deposit Bank & Trust Vanceburg, KY |
6 | $312,000 | $52,000 | $50,000 |
| 4 | The First National Bank of Brooksville Brooksville, KY |
4 | $209,000 | $52,000 | $98,000 |
| 5 | Community Trust Bank, Inc. Pikeville, KY |
3 | $357,000 | $119,000 | $76,000 |
| 6 | Kentucky Bank Paris, KY |
2 | $137,000 | $68,000 | $84,000 |
| 7 | Liberty Home Equity Solutions, Inc. Rancho Cordova, CA |
2 | $168,000 | $84,000 | $12,000 |
| 8 | Bank of America NA Westlake Village, CA |
1 | $204,000 | $204,000 | $132,000 |
| 9 | USAA Federal Savings Bank San Antonio, TX |
1 | $158,000 | $158,000 | $80,000 |
| 10 | State Farm Bank, F.S.B. Bloomington, IL |
1 | $47,000 | $47,000 | $42,000 |
The tables below break down 2014 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 2014
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 | 21 | $2,134,000 | $101,000 | $250,000 | $87,000 | $300,000 |
| Home Purchase | 13 | $1,546,000 | $118,000 | $247,000 | $97,000 | $363,000 |
| Home Improvement | 9 | $492,000 | $54,000 | $143,000 | $52,000 | $106,000 |
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 | 40 | $3,909,000 | $97,000 | $250,000 | $80,000 | $363,000 |
| Not Provided | 3 | $263,000 | $87,000 | $235,000 | $123,000 | $300,000 |
| 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 |
| Not applicable | 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) | 36 | $3,118,000 | $86,000 | $250,000 | $82,000 | $363,000 |
| FHA-insured (Federal Housing Administration) | 4 | $570,000 | $142,000 | $235,000 | $95,000 | $300,000 |
| VA-guaranteed (Veterans Administration) | 2 | $405,000 | $202,000 | $247,000 | $98,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $79,000 | $79,000 | $79,000 | $41,000 | $41,000 |
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 | 29 | $3,123,000 | $107,000 | $250,000 | $96,000 | $363,000 |
| Application Denied By Financial Institution | 7 | $517,000 | $73,000 | $181,000 | $61,000 | $131,000 |
| Application Withdrawn By Applicant | 5 | $356,000 | $71,000 | $167,000 | $37,000 | $64,000 |
| Application Approved But Not Accepted | 1 | $108,000 | $108,000 | $108,000 | $60,000 | $60,000 |
| Loan Purchased By The Institution | 1 | $68,000 | $68,000 | $68,000 | $99,000 | $99,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 2 | $98,000 | $49,000 | $73,000 | $51,000 | $52,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $181,000 | $181,000 | $181,000 | $131,000 | $131,000 |
| Credit History | 1 | $3,000 | $3,000 | $3,000 | $18,000 | $18,000 |
| Debt-To-Income Ratio | 1 | $68,000 | $68,000 | $68,000 | $38,000 | $38,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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