Russell County, KY Mortgage Lenders & HMDA Data, 2018

In 2018, lenders reported 519 mortgage applications in Russell County, KY totaling $54.6 million, up 20% from 2017. The average application was for $105,000, and applicants reported an average income of $80,000. 52% of applications resulted in an originated loan and 22% were denied. The most active lender was The Citizens National Bank of Somerset, with 59 applications, followed by Community Trust Bank, Inc. and Monticello Banking Company.

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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 519
Total Mortgage Loan Application Amount $54,565,000
Average Mortgage Loan Application Amount $105,000
Highest Mortgage Loan Application Amount $485,000
Average Applicant Income $80,000
Highest Applicant Income $2,109,000

Mortgage Company List for Lending in Russell 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
The Citizens National Bank of Somerset
44 PUBLIC SQ, PO BOX 760
SOMERSET, KY 42502
* $ 395,461,000 59 $ 7,385,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 4,113,495,000 56 $ 4,240,000
Monticello Banking Company
50 NORTH MAIN STREET; PO BOX 421
MONTICELLO, KY 42633
* $ 693,307,000 37 $ 4,315,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 216,077,000,000 33 $ 2,055,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 22 $ 1,430,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 17 $ 1,155,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 16 $ 1,390,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,696,742,000 12 $ 960,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 11 $ 1,315,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,747,398,000,000 11 $ 1,205,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 240,467,000 8 $ 880,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 8 $ 940,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ -1,000 7 $ 1,385,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 7 $ 515,000
Alliance Credit, LLC
7825 W. AKRON-CANFIELD RD
CANFIELD, OH 44406
* $ -1,000 7 $ 415,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 6 $ 700,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 6 $ 560,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 6 $ 710,000
Flanagan State Bank
301 W FALCON HWY
FLANAGAN, IL 61740
* $ 191,384,000 5 $ 735,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 456,025,829,000 5 $ 345,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 405,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,002,264,000 4 $ 180,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 4 $ 220,000
Fifth Third Bank
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 140,077,697,000 4 $ 440,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 4 $ 420,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 4 $ 410,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 80,522,766,000 4 $ 450,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 420,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 870,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 4 $ 200,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 4 $ 490,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,151,298,000 3 $ 195,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 98,729,134,000 3 $ 125,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 90,565,764,000 3 $ 465,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,075,719,000 3 $ 675,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 104,052,030,000 3 $ 265,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 3 $ 335,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,056,164,000 3 $ 575,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 3 $ 265,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 3 $ 295,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 4,724,296,000 3 $ 285,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 2 $ 200,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 2 $ 180,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 2 $ 250,000
Howard Bank
6011 UNIVERSITY BLVD #370
ELLICOTT CITY, MD 21043
* $ 1,150,216,000 2 $ 290,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,167,122,000 2 $ 110,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,140,778,000,000 2 $ 280,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 280,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 2 $ 20,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,751,524,000,000 2 $ 400,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 2 $ 320,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 2 $ 280,000
Southpoint Financial Services, Inc.
5955 SHILOH ROAD EAST, SUITE 200
ALPHARETTA, GA 30005
* $ -1,000 2 $ 270,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 1,480,753,000 2 $ 80,000
Kentucky Bank
401 MAIN STREET
PARIS, KY 40361
* $ 1,050,914,000 2 $ 320,000
Franklin American Mortgage Company
6100 TOWER CIRCLE SUITE 600
FRANKLIN, TN 37067
* $ -1,000 2 $ 260,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 125,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 9,792,150,000 1 $ 35,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 245,000
Home Point Mortgage Acceptance Corporation
121 RESEARCH BLVD
MADISON, AL 35758
* $ -1,000 1 $ 95,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 225,000
Suntrust Mortgage, Inc.
901 SEMMES AVENUE
RICHMOND, VA 23224
* $ -1,000 1 $ 55,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 145,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 3,234,045,000 1 $ 85,000
Wright Patt Credit Union Inc
3560 PENTAGON BLVD.
BEAVERCREEK, OH 45431
* $ 4,036,110,000 1 $ 165,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ -1,000 1 $ 245,000
Sofi Mortgage, LLC
6175 MAIN STREET, SUITE 490
FRISCO, TX 75034
* $ -1,000 1 $ 175,000
Citizens Union Bank of Shelbyville
1854 MIDLAND TRAIL, P. O. BOX 189
SHELBYVILLE, KY 40065
* $ 747,360,000 1 $ 95,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,149,750,000 1 $ 135,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 175,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,384,707,000,000 1 $ 15,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 9,352,196,000 1 $ 145,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 8,870,181,000 1 $ 65,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 195,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 155,852,000 1 $ 115,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 155,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 145,000
Farmers Bank
200 NORTH MAIN ST
NICHOLASVILLE, KY 40356
* $ 138,948,000 1 $ 115,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 7,471,410,000 1 $ 165,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 3,136,038,000 1 $ 385,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 3,958,360,000 1 $ 125,000
Reverse Mortgage Funding LLC
1455 BROAD ST., 2ND FL
BLOOMFIELD, NJ 07003
* $ -1,000 1 $ 195,000
Arvest Bank

TULSA, OK 74103
* $ 16,758,528,000 1 $ 65,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 989,537,000 1 $ 185,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 1 $ 155,000
Provident Funding Associates
1235 NORTH DUTTON AVE STE E
SANTA ROSA, CA 95401
* $ -1,000 1 $ 135,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 55,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 95,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 365,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 123,325,220,000 1 $ 65,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 105,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 95,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 2,934,629,000 1 $ 85,000
Star USA Federal Credit Union
ONE CANTLEY DRIVE
CHARLESTON, WV 25314
* $ 160,782,000 1 $ 45,000
J.G. Wentworth Home Lending, LLC
3350 COMMISSION COURT
WOODBRIDGE, VA 22192
* $ -1,000 1 $ 145,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 121,995,997,000 1 $ 195,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ -1,000 1 $ 115,000
Wyndham Capital Mortgage, Inc.
6115 PARK SOUTH DRIVE, STE 200
RALEIGH, NC 28210
* $ -1,000 1 $ 205,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 1 $ 235,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 1 $ 105,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 155,000
Westfield Bank, FSB
255 EAST 5TH ST
CINCINNATI, OH 45202
* $ 1,371,076,000 1 $ 85,000
Citimortgage, Inc.
1 COURT SQUARE, 43RD FLOOR
LONG ISLAND CITY, NY 11120
* $ -1,000 1 $ 15,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,641,355,000 1 $ 255,000

The tables below break down 2018 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 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 267 $29,155,000 $109,000 $485,000 $79,000 $827,000
Refinancing 105 $12,725,000 $121,000 $425,000 $107,000 $2,109,000
Cash-out Refinancing 82 $10,000,000 $121,000 $385,000 $56,000 $180,000
Home Improvement 32 $1,440,000 $45,000 $195,000 $71,000 $237,000
Other Purpose 30 $1,110,000 $37,000 $135,000 $71,000 $175,000
Not Applicable 3 $135,000 $45,000 $95,000 $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 447 $46,865,000 $104,000 $485,000 $82,000 $2,109,000
Not Provided 33 $3,905,000 $118,000 $375,000 $71,000 $169,000
Not applicable 25 $2,505,000 $100,000 $205,000 $24,000 $27,000
Hispanic 6 $380,000 $63,000 $195,000 $58,000 $104,000
Black or African American 5 $535,000 $107,000 $165,000 $65,000 $103,000
American Indian or Alaskan Native 2 $320,000 $160,000 $235,000 $62,000 $64,000
Native Hawaiian or Other Pacific Islander 1 $55,000 $55,000 $55,000 $48,000 $48,000
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) 372 $37,730,000 $101,000 $485,000 $92,000 $2,109,000
FHA-insured (Federal Housing Administration) 71 $8,325,000 $117,000 $245,000 $47,000 $165,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 42 $4,210,000 $100,000 $175,000 $39,000 $66,000
VA-guaranteed (Veterans Administration) 34 $4,300,000 $126,000 $245,000 $47,000 $119,000

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 269 $28,995,000 $107,000 $485,000 $84,000 $827,000
Application Denied By Financial Institution 112 $10,540,000 $94,000 $425,000 $80,000 $2,109,000
Application Withdrawn By Applicant 58 $7,160,000 $123,000 $435,000 $81,000 $331,000
Loan Purchased By The Institution 34 $3,740,000 $110,000 $315,000 $86,000 $270,000
File Closed For Incompleteness 30 $2,690,000 $89,000 $205,000 $56,000 $172,000
Application Approved But Not Accepted 15 $1,335,000 $89,000 $145,000 $47,000 $105,000
Preapproval Denied by Financial Institution 1 $105,000 $105,000 $105,000 $41,000 $41,000
Preapproval Approved but not Accepted 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 354 $37,860,000 $106,000 $485,000 $79,000 $827,000
Debt-To-Income Ratio 87 $10,125,000 $116,000 $375,000 $68,000 $585,000
Credit History 45 $3,695,000 $82,000 $245,000 $109,000 $2,109,000
Collateral 16 $1,520,000 $95,000 $425,000 $107,000 $677,000
Unverifiable Information 7 $375,000 $53,000 $75,000 $56,000 $174,000
Credit Application Incomplete 4 $480,000 $120,000 $205,000 $62,000 $100,000
Other 3 $225,000 $75,000 $135,000 $113,000 $160,000
Insufficient Cash (Downpayment, Closing Cost) 2 $230,000 $115,000 $115,000 $36,000 $36,000
Employment History 1 $55,000 $55,000 $55,000 $19,000 $19,000
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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