Rockcastle County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 430 mortgage applications in Rockcastle County, KY totaling $87.1 million, down 7% from 2012. The average application was for $202,000, and applicants reported an average income of $48,000. 42% of applications resulted in an originated loan and 30% were denied. The most active lender was Community Trust Bank, Inc., with 77 applications, followed by Vanderbilt Mortgage and Finance, Inc 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 | 430 |
| Total Mortgage Loan Application Amount | $87,113,000 |
| Average Mortgage Loan Application Amount | $202,000 |
| Highest Mortgage Loan Application Amount | $47,503,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $311,000 |
* 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 |
* | $ 3,617,126,000 | 77 | $ 6,569,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 46 | $ 3,277,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 38 | $ 3,419,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 26 | $ 2,746,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 22 | $ 2,140,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 20 | $ 1,122,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 15 | $ 1,725,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 9 | $ 897,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 559,772,000 | 8 | $ 720,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 8 | $ 757,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 7 | $ 669,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 340,716,000 | 7 | $ 550,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 950,246,000 | 6 | $ 413,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,946,864,000 | 5 | $ 665,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 5 | $ 306,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 169,076,807,000 | 5 | $ 673,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 5 | $ 315,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 5 | $ 307,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 5 | $ 273,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 4 | $ 238,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 4 | $ 414,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 810,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 3 | $ 424,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 3 | $ 601,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 415,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 3 | $ 306,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 3 | $ 228,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 3 | $ 315,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 3 | $ 226,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 3 | $ 242,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 415,314,000 | 3 | $ 458,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 137,781,000 | 2 | $ 319,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 2 | $ 200,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 2 | $ 341,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 2 | $ 367,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 2 | $ 178,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 2 | $ 199,000 |
| Blue Grass Federal S&L Assoc P O BOX 285 PARIS, KY 40362 |
* | $ 42,488,000 | 2 | $ 128,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 225,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 352,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 928,031,000 | 2 | $ 175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ 10,000,000 | 2 | $ 211,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,701,612,000 | 2 | $ 4,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 159,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 256,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 69,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 56,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 129,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 82,000 |
| American Founders Bank, Inc. 1200 FOREST BRIDGE ROAD LOUISVILLE, KY 40223 |
* | $ 344,495,000 | 1 | $ 42,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 1 | $ 51,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 49,000 |
| Liberty Home Equity Solutions, Inc. 10951 WHITE ROCK ROAD, SUITE 200 RANCHO CORDOVA, CA 95670 |
* | $ 60,629,000 | 1 | $ 47,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 464,593,000 | 1 | $ 21,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 1 | $ 108,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 61,000 |
| Appalachian Community Federal Credit Union 5034 BOBBY HICKS HIGHWAY SUITE 2 JOHNSON CITY, TN 37615 |
* | $ 155,591,000 | 1 | $ 50,000 |
| Franklin Bank & Trust Company P.O. BOX 449 FRANKLIN, KY 42134 |
* | $ 346,466,000 | 1 | $ 664,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 168,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 230,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 149,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 1 | $ 109,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 1 | $ 79,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 47,503,000 |
| Banc of California, NA 18500 VON KARMAN AVENUE SUITE 1100 IRVINE, CA 92612 |
* | $ 1,369,414,000 | 1 | $ 99,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 95,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 1 | $ 40,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,532,278,000 | 1 | $ 85,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 30,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 67,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 698,534,000 | 1 | $ 31,000 |
| First National Bank of Layton 1601 N. HILLFIELD ROAD LAYTON, UT 84041 |
* | $ 268,686,000 | 1 | $ 79,000 |
The tables below break down 2013 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 2013
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 204 | $16,929,000 | $82,000 | $284,000 | $43,000 | $221,000 |
| Refinancing | 202 | $68,869,000 | $340,000 | $47,503,000 | $52,000 | $311,000 |
| Home Improvement | 24 | $1,315,000 | $54,000 | $159,000 | $48,000 | $111,000 |
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 | 348 | $31,675,000 | $91,000 | $664,000 | $49,000 | $221,000 |
| Not Provided | 47 | $4,208,000 | $89,000 | $201,000 | $54,000 | $311,000 |
| Not applicable | 25 | $50,289,000 | $2,011,000 | $47,503,000 | $3,000 | $54,000 |
| American Indian or Alaskan Native | 4 | $431,000 | $107,000 | $246,000 | $76,000 | $99,000 |
| Hispanic | 4 | $330,000 | $82,000 | $111,000 | $66,000 | $128,000 |
| Black or African American | 2 | $180,000 | $90,000 | $134,000 | $50,000 | $71,000 |
| 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) | 293 | $24,922,000 | $85,000 | $664,000 | $55,000 | $311,000 |
| FHA-insured (Federal Housing Administration) | 62 | $54,639,000 | $881,000 | $47,503,000 | $32,000 | $89,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $5,543,000 | $93,000 | $196,000 | $33,000 | $114,000 |
| VA-guaranteed (Veterans Administration) | 16 | $2,009,000 | $125,000 | $242,000 | $37,000 | $108,000 |
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 | 179 | $16,553,000 | $92,000 | $664,000 | $57,000 | $221,000 |
| Application Denied By Financial Institution | 131 | $11,452,000 | $87,000 | $375,000 | $46,000 | $311,000 |
| Loan Purchased By The Institution | 59 | $53,580,000 | $908,000 | $47,503,000 | $25,000 | $111,000 |
| Application Approved But Not Accepted | 26 | $2,233,000 | $85,000 | $219,000 | $46,000 | $116,000 |
| Application Withdrawn By Applicant | 22 | $2,227,000 | $101,000 | $168,000 | $41,000 | $114,000 |
| File Closed For Incompleteness | 11 | $874,000 | $79,000 | $149,000 | $56,000 | $95,000 |
| Preapproval Approved but not Accepted | 2 | $194,000 | $97,000 | $133,000 | $36,000 | $38,000 |
| 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 | 38 | $2,955,000 | $77,000 | $222,000 | $53,000 | $311,000 |
| Debt-To-Income Ratio | 14 | $1,362,000 | $97,000 | $201,000 | $26,000 | $50,000 |
| Collateral | 13 | $1,182,000 | $90,000 | $169,000 | $51,000 | $105,000 |
| Credit Application Incomplete | 10 | $1,341,000 | $134,000 | $375,000 | $70,000 | $120,000 |
| Other | 7 | $609,000 | $87,000 | $222,000 | $40,000 | $77,000 |
| Unverifiable Information | 3 | $239,000 | $79,000 | $146,000 | $55,000 | $108,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $106,000 | $106,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $41,000 | $41,000 |
| 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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