Russell County, KY Mortgage Lenders & HMDA Data, 2016

In 2016, lenders reported 460 mortgage applications in Russell County, KY totaling $51.8 million, up 28% from 2015. The average application was for $112,000, and applicants reported an average income of $72,000. 50% of applications resulted in an originated loan and 21% were denied. The most active lender was Monticello Banking Company, with 38 applications, followed by Community Trust Bank, Inc. and Truist Bank.

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 460
Total Mortgage Loan Application Amount $51,789,000
Average Mortgage Loan Application Amount $112,000
Highest Mortgage Loan Application Amount $401,000
Average Applicant Income $72,000
Highest Applicant Income $2,146,000

Mortgage Company List for Lending in Russell County, KY for 2016

* 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
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 560,028,000 38 $ 5,070,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 3,881,833,000 37 $ 3,348,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 205,125,538,000 27 $ 1,656,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 22 $ 1,667,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 175,672,000 19 $ 2,590,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 180,082,000 18 $ 1,772,000
Freedom Mortgage Corporation
10500 KINCAID DRIVE
FISHERS, IN 46037
* $ 10,000,000 18 $ 2,531,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 934,771,000 16 $ 1,908,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 15 $ 1,886,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,610,580,000,000 14 $ 1,962,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,709,556,000 10 $ 1,145,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,914,658,000,000 8 $ 749,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 417,458,234,000 7 $ 460,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ 1,159,238,000 7 $ 897,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ 39,000,000 7 $ 569,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ 1,874,000 7 $ 1,148,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 6 $ 466,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,639,305,000,000 6 $ 864,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 5 $ 637,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ 56,032,000 5 $ 254,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ 42,141,000 5 $ 577,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 5 $ 1,137,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ 880,000,000 5 $ 1,119,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ 100,000,000 4 $ 558,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 70,879,778,000 4 $ 409,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ 10,000,000 4 $ 160,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 348,291,098,000 4 $ 265,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 980,403,000 3 $ 182,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 71,130,930,000 3 $ 346,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 3 $ 276,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ 945,758,000 3 $ 310,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ 186,710,993,000 3 $ 200,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ 10,000,000 3 $ 315,000
Bridgeview Bank Group
7940 S HARLEM
BRIDGEVIEW, IL 60455
* $ 1,077,735,000 3 $ 625,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,011,527,000 3 $ 305,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 138,620,635,000 2 $ 187,000
Longbridge Financial, LLC
1 INTERNATIONAL BOULEVARD, SUITE 900
MAHWAH, NJ 07495
* $ 9,774,230,000 2 $ 237,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ 10,000,000 2 $ 269,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ 10,000,000 2 $ 126,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ 580,000,000 2 $ 291,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 2,033,424,000 2 $ 181,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 1,086,068,000 2 $ 98,000
The First State Bank
PO BOX 295
BARBOURSVILLE, WV 25504
* $ 234,265,000 2 $ 311,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ 10,000,000 2 $ 172,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ 4,410,000 2 $ 206,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,289,160,000 2 $ 347,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 73,279,079,000 2 $ 58,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 8,764,654,000 2 $ 288,000
Everbank N.A.
501 RIVERSIDE AVENUE
JACKSONVILLE, FL 32202
* $ 26,594,410,000 2 $ 134,000
Guardian Savings Bank, A Federal Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 861,518,000 2 $ 189,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ 10,000,000 2 $ 340,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 556,787,000 1 $ 118,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ 10,000,000 1 $ 152,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 3,202,505,000 1 $ 100,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 2,887,863,000 1 $ 282,000
Hearthside Bank Corporation
1602 CUMBERLAND AVENUE
MIDDLESBORO, KY 40965
* $ 345,122,000 1 $ 53,000
The Lincoln National Bank of Hodgenville
P.O. BOX 9, 41 LINCOLN SQUARE
HODGENVILLE, KY 42748
* $ 283,210,000 1 $ 26,000
Impac Mortgage Corp.
19500 JAMBOREE RD
GLENDALE, CA 92612
* $ 32,120,000 1 $ 96,000
Mortgage Investors Group
501 JAMES ROBERTSON PARKWAY
NASHVILLE, TN 37219
* $ 10,000,000 1 $ 78,000
Prospect Mortgage, LLC
15301 VENTURA BLVD SUITE D300
SHERMAN OAKS, CA 91403
* $ 10,000,000 1 $ 40,000
Flagstar Bank NA

TROY, MI 49098
* $ 13,649,486,000 1 $ 100,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ 1,019,497,000,000 1 $ 51,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 18,900,720,000 1 $ 147,000
Suntrust Bank
P.O. BOX 4418, MAIL CODE 0663
ATLANTA, GA 30302
* $ 186,710,993,000 1 $ 8,000
Bank of Springfield
2600 STEVENSON DRIVE
SPRINGFIELD, IL 62711
* $ 871,113,000 1 $ 208,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 2,814,028,000 1 $ 278,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 7,515,756,000 1 $ 127,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,031,779,000 1 $ 144,000
Ashland Credit Union
1300 CENTRAL AVE
ASHLAND, KY 41101
* $ 189,048,000 1 $ 74,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ 10,000,000 1 $ 260,000
Acopia, LLC
306 NORTHCREEK BOULEVARD SUITE 100
GOODLETTSVILLE, TN 37072
* $ 100,000,000 1 $ 123,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ 1,000,000,000 1 $ 103,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ 10,000,000 1 $ 233,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ 4,464,000 1 $ 160,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ 1,825,398,000 1 $ 99,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ 10,000,000 1 $ 178,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ 826,484,000 1 $ 65,000
Bbmc Mortgage, LLC
100 W. 22ND ST
LOMBARD, IL 60148
* $ 149,000,000 1 $ 376,000
Guaranty Trust Company
316 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ 225,000,000 1 $ 252,000
Midusa Credit Union
3600 TOWNE BLVD.
MIDDLETOWN, OH 45005
* $ 212,445,000 1 $ 24,000
First Liberty Financial Group
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,000,000,000 1 $ 147,000
Nationwide Bank
ONE NATIONWIDE PLAZA
COLUMBUS, OH 43215
* $ 6,397,488,000 1 $ 46,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ 11,000,000 1 $ 64,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ 100,247,000 1 $ 58,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ 10,000,000 1 $ 341,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ 10,000,000 1 $ 88,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ 4,088,336,000 1 $ 181,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ 1,028,000 1 $ 122,000
Alliance Financial Resources
5410 EAST HIGH STREET SUITE 200
PHOENIX, AZ 85054
* $ 10,000,000 1 $ 135,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 4,222,641,000 1 $ 60,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 459,125,000 1 $ 40,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ 10,000,000 1 $ 120,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ 10,000,000 1 $ 147,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ 10,000,000 1 $ 179,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ 6,260,444,000 1 $ 74,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ 1,271,767,000 1 $ 100,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 772,865,000 1 $ 104,000
First Bank Richmond, NA
P.O. BOX 937
RICHMOND, IN 47375
* $ 551,870,000 1 $ 25,000
Community First National Bank
215 S SETH CHILD RD
MANHATTAN, KS 66502
* $ 206,674,000 1 $ 60,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ 14,200,000 1 $ 105,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ 100,000,000 1 $ 173,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ 10,000,000 1 $ 142,000

The tables below break down 2016 mortgage applications in Russell 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 Russell County, KY in 2016

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 245 $28,458,000 $116,000 $401,000 $82,000 $2,146,000
Refinancing 185 $21,998,000 $118,000 $376,000 $59,000 $804,000
Home Improvement 30 $1,333,000 $44,000 $150,000 $67,000 $318,000

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 364 $41,180,000 $113,000 $401,000 $71,000 $804,000
Not applicable 49 $5,497,000 $112,000 $313,000 $7,000 $114,000
Not Provided 36 $3,826,000 $106,000 $331,000 $59,000 $200,000
Hispanic 6 $501,000 $83,000 $133,000 $66,000 $135,000
American Indian or Alaskan Native 3 $506,000 $168,000 $317,000 $1,436,000 $2,146,000
Asian 1 $125,000 $125,000 $125,000 $63,000 $63,000
Black or African American 1 $154,000 $154,000 $154,000 $0 $0
Native Hawaiin or Other Pacific Islander 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) 285 $31,054,000 $108,000 $371,000 $97,000 $2,146,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 69 $7,732,000 $112,000 $313,000 $23,000 $103,000
FHA-insured (Federal Housing Administration) 61 $6,530,000 $107,000 $248,000 $37,000 $112,000
VA-guaranteed (Veterans Administration) 45 $6,473,000 $143,000 $401,000 $33,000 $100,000

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 229 $26,795,000 $117,000 $371,000 $94,000 $2,146,000
Application Denied By Financial Institution 98 $8,969,000 $91,000 $289,000 $52,000 $161,000
Loan Purchased By The Institution 61 $7,445,000 $122,000 $313,000 $21,000 $264,000
Application Withdrawn By Applicant 31 $3,623,000 $116,000 $401,000 $95,000 $804,000
File Closed For Incompleteness 22 $2,685,000 $122,000 $376,000 $50,000 $120,000
Application Approved But Not Accepted 19 $2,272,000 $119,000 $260,000 $54,000 $200,000
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 25 $1,879,000 $75,000 $287,000 $61,000 $161,000
Debt-To-Income Ratio 15 $1,250,000 $83,000 $200,000 $36,000 $115,000
Collateral 10 $985,000 $98,000 $222,000 $52,000 $105,000
Credit Application Incomplete 7 $758,000 $108,000 $187,000 $65,000 $160,000
Other 2 $29,000 $14,000 $24,000 $52,000 $70,000
Unverifiable Information 2 $290,000 $145,000 $200,000 $101,000 $110,000
Employment History 1 $261,000 $261,000 $261,000 $111,000 $111,000
Insufficient Cash (Downpayment, Closing Cost) 1 $35,000 $35,000 $35,000 $60,000 $60,000
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