Rockcastle County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 354 mortgage applications in Rockcastle County, KY totaling $32.0 million, down 17% from 2009. The average application was for $90,000, and applicants reported an average income of $45,000. 40% of applications resulted in an originated loan and 30% were denied. The most active lender was Community Trust Bank, Inc., with 93 applications, followed by Bank of America, N.A. and JPMorgan Chase 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 | 354 |
| Total Mortgage Loan Application Amount | $31,954,000 |
| Average Mortgage Loan Application Amount | $90,000 |
| Highest Mortgage Loan Application Amount | $260,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $154,000 |
* 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 |
|---|---|---|---|---|
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,072,308,000 | 93 | $ 6,588,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 28 | $ 3,303,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 21 | $ 1,950,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 19 | $ 1,416,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 15 | $ 2,090,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 13 | $ 1,131,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 12 | $ 882,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 10 | $ 544,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 10 | $ 438,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 9 | $ 1,399,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 8 | $ 252,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 792,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 7 | $ 610,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,640,495,000 | 5 | $ 541,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 457,299,000 | 5 | $ 442,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 4 | $ 502,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 598,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 4 | $ 369,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 3 | $ 416,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 3 | $ 310,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 3 | $ 259,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 3 | $ 345,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 3 | $ 325,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 421,792,000 | 3 | $ 298,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 607,497,000 | 3 | $ 279,000 |
| Altra Federal Credit Union 1700 OAK FOREST DRIVE ONALASKA, WI 54650 |
* | $ 731,347,000 | 2 | $ 183,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 329,381,000 | 2 | $ 71,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 2 | $ 188,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 881,251,000 | 2 | $ 138,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 340,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 290,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,104,173,000 | 2 | $ 57,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 2 | $ 131,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ 568,279,000 | 2 | $ 233,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,515,311,000 | 1 | $ 87,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 61,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 313,635,000 | 1 | $ 59,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 1 | $ 117,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 1 | $ 129,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 123,000 |
| Guardian Savings Bank, FSB 5901 COLERAIN AV CINCINNATI, OH 45239 |
* | $ 685,310,000 | 1 | $ 91,000 |
| Colonial Savings, F. A. P. O. BOX 2988 FORT WORTH, TX 76113 |
* | $ 964,882,000 | 1 | $ 79,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 1 | $ 124,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,272,096,000 | 1 | $ 128,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 1 | $ 67,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 161,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 650,290,000 | 1 | $ 86,000 |
| Dover Mortgage Company PO BOX 1626 ASHEBORO, NC 27204 |
* | $ 1,817,511,000 | 1 | $ 90,000 |
| South Central Bank, National Association 525 W ROOSEVELT RD CHICAGO, IL 60607 |
* | $ 237,957,000 | 1 | $ 25,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 8,059,724,000 | 1 | $ 52,000 |
| Mwabank 1701 1ST AVENUE ROCK ISLAND, IL 61201 |
* | $ 221,832,000 | 1 | $ 90,000 |
| Woodforest Bank, FSB 25231 GROGANS MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 85,854,000 | 1 | $ 5,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 52,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ 10,000,000 | 1 | $ 236,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 137,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 161,000 |
| Coastal Mortgage Services, Inc 11230 CARMEL COMMONS BOULEVARD CHARLOTTE, NC 28226 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Mortgage Investors Group 8320 E. WALKER SPRINGS LANE KNOXVILLE, TN 37923 |
* | $ 10,000,000 | 1 | $ 121,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 1 | $ 52,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 1 | $ 152,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 125,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 102,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 163,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 182,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 54,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 129,000 |
| F&M Bank 50 FRANKLIN ST CLARKSVILLE, TN 37040 |
* | $ 793,141,000 | 1 | $ 74,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 219,708,000 | 1 | $ 100,000 |
The tables below break down 2010 mortgage applications in Rockcastle 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 Rockcastle County, KY in 2010
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 | 220 | $23,052,000 | $104,000 | $260,000 | $46,000 | $146,000 |
| Home Purchase | 106 | $8,102,000 | $76,000 | $234,000 | $44,000 | $154,000 |
| Home Improvement | 28 | $800,000 | $28,000 | $123,000 | $39,000 | $80,000 |
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 | 296 | $25,305,000 | $85,000 | $260,000 | $48,000 | $146,000 |
| Not Provided | 33 | $3,668,000 | $111,000 | $220,000 | $36,000 | $76,000 |
| Not applicable | 17 | $2,156,000 | $126,000 | $234,000 | $0 | $0 |
| American Indian or Alaskan Native | 4 | $411,000 | $102,000 | $159,000 | $78,000 | $154,000 |
| Hispanic | 3 | $378,000 | $126,000 | $128,000 | $53,000 | $54,000 |
| Black or African American | 1 | $36,000 | $36,000 | $36,000 | $45,000 | $45,000 |
| 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) | 272 | $22,880,000 | $84,000 | $260,000 | $46,000 | $154,000 |
| FHA-insured (Federal Housing Administration) | 53 | $6,028,000 | $113,000 | $236,000 | $38,000 | $107,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,600,000 | $76,000 | $121,000 | $36,000 | $56,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,446,000 | $180,000 | $234,000 | $65,000 | $127,000 |
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 | 141 | $11,303,000 | $80,000 | $260,000 | $53,000 | $154,000 |
| Application Denied By Financial Institution | 107 | $8,750,000 | $81,000 | $205,000 | $40,000 | $107,000 |
| Loan Purchased By The Institution | 48 | $6,082,000 | $126,000 | $234,000 | $31,000 | $143,000 |
| Application Withdrawn By Applicant | 25 | $2,768,000 | $110,000 | $236,000 | $41,000 | $85,000 |
| Application Approved But Not Accepted | 23 | $2,129,000 | $92,000 | $260,000 | $45,000 | $139,000 |
| File Closed For Incompleteness | 10 | $922,000 | $92,000 | $155,000 | $54,000 | $97,000 |
| 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 | 34 | $2,063,000 | $60,000 | $175,000 | $43,000 | $107,000 |
| Collateral | 17 | $1,919,000 | $112,000 | $163,000 | $52,000 | $107,000 |
| Debt-To-Income Ratio | 16 | $1,694,000 | $105,000 | $205,000 | $36,000 | $99,000 |
| Credit Application Incomplete | 5 | $509,000 | $101,000 | $173,000 | $47,000 | $74,000 |
| Other | 4 | $243,000 | $60,000 | $103,000 | $44,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $212,000 | $70,000 | $84,000 | $36,000 | $49,000 |
| Unverifiable Information | 2 | $186,000 | $93,000 | $96,000 | $50,000 | $68,000 |
| Mortgage Insurance Denied | 1 | $63,000 | $63,000 | $63,000 | $40,000 | $40,000 |
| 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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