Rockcastle County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 428 mortgage applications in Rockcastle County, KY totaling $40.4 million, down 13% from 2008. The average application was for $94,000, and applicants reported an average income of $52,000. 43% of applications resulted in an originated loan and 29% were denied. The most active lender was Community Trust Bank, Inc., with 113 applications, followed by Embrace Home Loans, 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 | 428 |
| Total Mortgage Loan Application Amount | $40,404,000 |
| Average Mortgage Loan Application Amount | $94,000 |
| Highest Mortgage Loan Application Amount | $807,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $524,000 |
Top Mortgage Lenders in Rockcastle County, KY (2009)
Ranked by the number of mortgage applications each lender reported in Rockcastle County, KY in 2009.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. Pikeville, KY |
113 | $9,914,000 | $87,000 | $54,000 |
| 2 | Embrace Home Loans, Inc. Middletown, RI |
28 | $2,812,000 | $100,000 | $35,000 |
| 3 | JPMorgan Chase Bank, NA Columbus, OH |
25 | $2,464,000 | $98,000 | $35,000 |
| 4 | Bank of America, N.A. Calabasas, CA |
23 | $2,546,000 | $110,000 | $47,000 |
| 5 | Farm Credit Mid-America, Aca Louisville, KY |
23 | $2,836,000 | $123,000 | $93,000 |
| 6 | Wells Fargo Bank, NA Des Moines, IA |
16 | $1,064,000 | $66,000 | $52,000 |
| 7 | Suntrust Mortgage, Inc Richmond, VA |
15 | $2,017,000 | $134,000 | $69,000 |
| 8 | Citifinancial Services, Inc. Baltimore, MD |
14 | $530,000 | $37,000 | $31,000 |
| 9 | Wells Fargo Funding, Inc Winston-Salem, NC |
13 | $1,388,000 | $106,000 | $66,000 |
| 10 | Countrywide Bank FSB Westlake Village, CA |
13 | $1,448,000 | $111,000 | $47,000 |
The tables below break down 2009 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 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 | 304 | $31,045,000 | $102,000 | $807,000 | $54,000 | $524,000 |
| Home Purchase | 103 | $8,539,000 | $82,000 | $205,000 | $46,000 | $226,000 |
| Home Improvement | 21 | $820,000 | $39,000 | $150,000 | $43,000 | $91,000 |
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 | 375 | $35,574,000 | $94,000 | $807,000 | $52,000 | $524,000 |
| Not applicable | 22 | $2,363,000 | $107,000 | $417,000 | $43,000 | $233,000 |
| Not Provided | 21 | $1,685,000 | $80,000 | $140,000 | $41,000 | $122,000 |
| American Indian or Alaskan Native | 7 | $546,000 | $78,000 | $147,000 | $103,000 | $210,000 |
| Hispanic | 3 | $236,000 | $78,000 | $156,000 | $25,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 308 | $28,104,000 | $91,000 | $807,000 | $57,000 | $524,000 |
| FHA-insured (Federal Housing Administration) | 90 | $9,241,000 | $102,000 | $259,000 | $41,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,301,000 | $95,000 | $141,000 | $29,000 | $80,000 |
| VA-guaranteed (Veterans Administration) | 6 | $758,000 | $126,000 | $143,000 | $43,000 | $65,000 |
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 | 186 | $17,850,000 | $95,000 | $807,000 | $59,000 | $524,000 |
| Application Denied By Financial Institution | 126 | $10,437,000 | $82,000 | $250,000 | $43,000 | $226,000 |
| Loan Purchased By The Institution | 53 | $5,550,000 | $104,000 | $417,000 | $47,000 | $233,000 |
| Application Withdrawn By Applicant | 36 | $3,956,000 | $109,000 | $280,000 | $53,000 | $138,000 |
| Application Approved But Not Accepted | 21 | $2,094,000 | $99,000 | $238,000 | $51,000 | $106,000 |
| File Closed For Incompleteness | 6 | $517,000 | $86,000 | $148,000 | $51,000 | $81,000 |
| 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 | 31 | $2,040,000 | $65,000 | $157,000 | $32,000 | $74,000 |
| Debt-To-Income Ratio | 15 | $1,435,000 | $95,000 | $250,000 | $51,000 | $100,000 |
| Collateral | 14 | $1,626,000 | $116,000 | $216,000 | $83,000 | $226,000 |
| Credit Application Incomplete | 9 | $804,000 | $89,000 | $137,000 | $42,000 | $77,000 |
| Other | 5 | $226,000 | $45,000 | $92,000 | $33,000 | $49,000 |
| Unverifiable Information | 5 | $343,000 | $68,000 | $120,000 | $36,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $226,000 | $75,000 | $115,000 | $34,000 | $37,000 |
| Mortgage Insurance Denied | 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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