Rowan County, KY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 536 mortgage applications in Rowan County, KY totaling $64.3 million, down 8% from 2017. The average application was for $120,000, and applicants reported an average income of $67,000. 45% of applications resulted in an originated loan and 22% were denied. The most active lender was US Bank, N.A., with 91 applications, followed by Kentucky Bank and Vanderbilt Mortgage and Finance, Inc.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 536
Total Mortgage Loan Application Amount $64,330,000
Average Mortgage Loan Application Amount $120,000
Highest Mortgage Loan Application Amount $945,000
Average Applicant Income $67,000
Highest Applicant Income $700,000

Mortgage Company List for Lending in Rowan County, KY for 2018

* 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
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 91 $ 7,255,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 1,050,914,000 65 $ 11,055,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 50 $ 3,140,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 1,300,124,000 22 $ 1,780,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 18 $ 2,570,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 16 $ 1,950,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 15 $ 2,265,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 11 $ 1,375,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 10 $ 1,360,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 9 $ 645,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 8 $ 780,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 8 $ 920,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 7 $ 875,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,155,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,151,298,000 7 $ 425,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 6 $ 1,210,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 6 $ 460,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 5 $ 755,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 5 $ 675,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 5 $ 985,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 4 $ 390,000
Citizens Bank of Kentucky, Inc.
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 588,997,000 4 $ 2,260,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 4 $ 450,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 510,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ -1,000 4 $ 200,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,113,495,000 4 $ 340,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 4 $ 150,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 4 $ 690,000
Open Mortgage, LLC

RICHARDSON, TX 75080
* $ -1,000 4 $ 700,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 3 $ 245,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 760,511,000 3 $ 65,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 3 $ 615,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 3 $ 445,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,002,887,000 3 $ 225,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 3 $ 435,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 3 $ 535,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 3 $ 475,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ -1,000 3 $ 385,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 989,537,000 2 $ 80,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 2 $ 60,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 2 $ 330,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 270,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 190,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 260,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 2 $ 420,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 190,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 320,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 240,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 2 $ 430,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,413,334,000 2 $ 230,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 210,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 2 $ 310,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 2 $ 260,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 370,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 160,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 2 $ 360,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 280,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 2 $ 290,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 230,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 270,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 2 $ 170,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 9,792,150,000 1 $ 165,000
Sovereign Lending Group Inc.

NEWPORT BEACH, CA 92660
* $ -1,000 1 $ 185,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 379,071,000 1 $ 125,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 225,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 195,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 135,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 1 $ 175,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 55,000
Suntrust Banks, Inc.
P.O. BOX 4418, MAIL CODE 663
ATLANTA, GA 30302
* $ 201,637,519,000 1 $ 155,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 264,496,000 1 $ 15,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 125,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 827,634,000 1 $ 115,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 4,072,671,000 1 $ 255,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 185,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 105,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,408,261,000 1 $ 45,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 125,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 135,000
Ez Mortgage Loans, Inc.
419 VERNON ST
IRONTON, OH 45638
* $ -1,000 1 $ 65,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 145,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,456,342,000 1 $ 45,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 14,726,156,000 1 $ 95,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 1 $ 105,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 1 $ 85,000
Citizens Deposit Bank & Trust
PO BOX 9 10 SECOND STREET
VANCEBURG, KY 41179
* $ 422,395,000 1 $ 95,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 65,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 75,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 1 $ 205,000
Live Well Financial, Inc.
1011 BOULDER SPRINGS DRIVE
RICHMOND, VA 23225
* $ -1,000 1 $ 5,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 316,352,000 1 $ 235,000
Homeward Residential, Inc.
16675 ADDISON ROAD
ADDISON, TX 75001
* $ -1,000 1 $ 65,000
Midwest Bankcentre
2191 LEMAY FERRY ROAD LEMAY
SAINT LOUIS, MO 63125
* $ 1,876,110,000 1 $ 145,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 235,000
Cbc National Bank
1891 SOUTH 14TH STREET
FERNANDINA BEACH, FL 32034
* $ 604,714,000 1 $ 165,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,069,790,000 1 $ 65,000
Lendingone LLC
901 YAMATO RD #150
BOCA RATON, FL 33431
* $ -1,000 1 $ 205,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 1 $ 35,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 118,072,176,000 1 $ 115,000

The tables below break down 2018 mortgage applications in Rowan 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 Rowan County, KY in 2018

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 321 $40,865,000 $127,000 $945,000 $68,000 $467,000
Refinancing 90 $10,570,000 $117,000 $895,000 $73,000 $700,000
Cash-out Refinancing 64 $8,390,000 $131,000 $385,000 $54,000 $261,000
Other Purpose 39 $3,245,000 $83,000 $285,000 $59,000 $119,000
Home Improvement 18 $930,000 $51,000 $205,000 $102,000 $338,000
Not Applicable 4 $330,000 $82,000 $135,000 $0 $0

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 443 $49,975,000 $112,000 $895,000 $67,000 $700,000
Not applicable 52 $9,310,000 $179,000 $945,000 $65,000 $78,000
Not Provided 31 $4,015,000 $129,000 $505,000 $77,000 $467,000
Hispanic 4 $260,000 $65,000 $155,000 $51,000 $66,000
Black or African American 2 $230,000 $115,000 $125,000 $37,000 $39,000
Native Hawaiian or Other Pacific Islander 1 $25,000 $25,000 $25,000 $130,000 $130,000
American Indian or Alaskan Native 1 $145,000 $145,000 $145,000 $72,000 $72,000
Asian 1 $255,000 $255,000 $255,000 $64,000 $64,000

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) 346 $39,360,000 $113,000 $945,000 $74,000 $700,000
FHA-insured (Federal Housing Administration) 85 $10,205,000 $120,000 $285,000 $53,000 $159,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 53 $6,495,000 $122,000 $195,000 $47,000 $77,000
VA-guaranteed (Veterans Administration) 52 $8,270,000 $159,000 $285,000 $61,000 $129,000

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 241 $32,625,000 $135,000 $945,000 $75,000 $467,000
Application Denied By Financial Institution 119 $10,085,000 $84,000 $255,000 $53,000 $264,000
Loan Purchased By The Institution 64 $8,760,000 $136,000 $265,000 $74,000 $196,000
Application Withdrawn By Applicant 54 $7,300,000 $135,000 $895,000 $74,000 $700,000
File Closed For Incompleteness 49 $4,315,000 $88,000 $285,000 $60,000 $275,000
Application Approved But Not Accepted 9 $1,245,000 $138,000 $235,000 $55,000 $111,000
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
Not applicable 412 $51,890,000 $125,000 $895,000 $72,000 $700,000
Credit History 51 $4,125,000 $80,000 $255,000 $59,000 $264,000
Debt-To-Income Ratio 29 $4,035,000 $139,000 $945,000 $40,000 $265,000
Collateral 20 $2,200,000 $110,000 $225,000 $62,000 $135,000
Other 8 $820,000 $102,000 $175,000 $48,000 $110,000
Unverifiable Information 7 $505,000 $72,000 $205,000 $58,000 $160,000
Insufficient Cash (Downpayment, Closing Cost) 5 $485,000 $97,000 $175,000 $64,000 $180,000
Credit Application Incomplete 2 $170,000 $85,000 $105,000 $55,000 $70,000
Employment History 2 $100,000 $50,000 $75,000 $31,000 $55,000
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.

Download the Kentucky Lender List