Spencer County, KY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 1,255 mortgage applications in Spencer County, KY totaling $279.0 million, down 38% from 2021. The average application was for $222,000, and applicants reported an average income of $102,000. 61% of applications resulted in an originated loan and 11% were denied. The most active lender was The Peoples Bank, with 74 applications, followed by Fifth Third Bank, National Association and PNC Bank N.A..
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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 | 1,255 |
| Total Mortgage Loan Application Amount | $278,965,000 |
| Average Mortgage Loan Application Amount | $222,000 |
| Highest Mortgage Loan Application Amount | $3,445,000 |
| Average Applicant Income | $102,000 |
| Highest Applicant Income | $1,212,000 |
* 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 |
|---|---|---|---|---|
| The Peoples Bank 23 WEST MAIN ST TAYLORSVILLE, KY 40071 |
* | $ 142,228,000 | 74 | $ 15,910,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 209,696,785,000 | 56 | $ 8,050,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 54 | $ 7,990,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 41 | $ 12,615,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 1,840,658,000 | 39 | $ 7,265,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 35 | $ 9,095,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 4,726,840,000 | 35 | $ 10,235,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 6,088,183,000 | 33 | $ 5,375,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 33 | $ 7,885,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 2,826,831,000 | 32 | $ 7,380,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 29 | $ 8,305,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ 5,596,059,000 | 28 | $ 3,860,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 25 | $ 3,075,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 1,189,715,000 | 25 | $ 3,295,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 21 | $ 2,925,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 19 | $ 4,825,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 19 | $ 4,845,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,895,919,000 | 19 | $ 1,495,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 18 | $ 5,320,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 6,639,234,000 | 18 | $ 2,040,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 1,252,099,000 | 18 | $ 1,930,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 16 | $ 3,060,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 15 | $ 2,715,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 14 | $ 3,380,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 14 | $ 1,250,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 3,555,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 13 | $ 3,695,000 |
| The Mortgage Warehouse, LLC 13430 PARKER COMMONS BLVD SUITE 103 FORT MYERS, FL 33912 |
* | $ -1,000 | 12 | $ 2,950,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 12 | $ 3,610,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 528,514,000,000 | 12 | $ 3,290,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 188,069,637,000 | 11 | $ 2,825,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 10 | $ 2,740,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 10 | $ 3,010,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 10 | $ 2,260,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 16,855,693,000 | 9 | $ 1,635,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 9 | $ 2,105,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,244,199,000 | 8 | $ 1,100,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 8 | $ 540,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 8 | $ 1,810,000 |
| Paramount Residential Mortgage 1265 CORONA POINTE CT SUITE 301 CORONA, CA 92879 |
* | $ -1,000 | 8 | $ 2,440,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 7 | $ 3,125,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ -1,000 | 7 | $ 1,665,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 7 | $ 2,725,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 456,669,000 | 7 | $ 1,895,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 7 | $ 2,005,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 1,575,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 6 | $ 1,020,000 |
| Class Act Federal Credit Union 3620 FERN VALLEY RD LOUISVILLE, KY 40219 |
* | $ 308,532,000 | 6 | $ 1,200,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 117,378,701,000 | 6 | $ 1,510,000 |
| First Savings Bank 501 E. LEWIS & CLARK PARKWAY JEFFERSONVILLE, IN 47130 |
* | $ 1,758,936,000 | 6 | $ 1,800,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,878,802,000 | 6 | $ 910,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 6 | $ 1,410,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 6 | $ 1,340,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 6 | $ 1,690,000 |
| First Harrison Bank 220 FEDERAL DR NW CORYDON, IN 47112 |
* | $ 1,151,118,000 | 6 | $ 1,660,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 5 | $ 1,585,000 |
| River City Bank, Inc. 6308 GREENWOOD ROAD LOUISVILLE, KY 40202 |
* | $ 375,552,000 | 5 | $ 2,525,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 5 | $ 965,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ -1,000 | 5 | $ 1,215,000 |
| Bay Equity LLC DETROIT, MI 48226 |
* | $ -1,000 | 5 | $ 905,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 5 | $ 1,235,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 2,025,359,000 | 5 | $ 775,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 5 | $ 1,035,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 3,237,305,000 | 4 | $ 960,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 790,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 699,135,000 | 4 | $ 350,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 430,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,509,253,000 | 4 | $ 1,630,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 4 | $ 810,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 4 | $ 630,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 4 | $ 1,330,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 1,340,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 4 | $ 660,000 |
| Peoples Bank Mt Washington P O BOX 95, 201 N BARDSTOWN ROAD MT WASHINGTON, KY 40047 |
* | $ 111,427,000 | 4 | $ 850,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 4 | $ 580,000 |
| Transcend Credit Union 3740 BARDSTOWN ROAD LOUISVILLE, KY 40218 |
* | $ 487,024,000 | 4 | $ 950,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 4 | $ 960,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 3 | $ 775,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ -1,000 | 3 | $ 735,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 1,133,661,000 | 3 | $ 405,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 3 | $ 1,045,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ 1,591,396,000 | 3 | $ 4,395,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 796,563,000 | 3 | $ 915,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 3 | $ 855,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ -1,000 | 3 | $ 395,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 1,025,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 3 | $ 935,000 |
| Alliant Credit Union 11545 W TOUHY CHICAGO, IL 60666 |
* | $ 15,151,012,000 | 2 | $ 280,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 330,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 340,000 |
| Sovereign Lending Group Inc. NEWPORT BEACH, CA 92660 |
* | $ -1,000 | 2 | $ 520,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 1,299,520,000 | 2 | $ 550,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,463,554,000 | 2 | $ 780,000 |
| United Mortgage Corp. 25 MELVILLE PARK ROAD MELVILLE, NY 11747 |
* | $ -1,000 | 2 | $ 590,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 260,000 |
| United Citizens Bank & Trust Company P O BOX 250 CAMPBELLSBURG, KY 40011 |
* | $ 156,505,000 | 2 | $ 1,290,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 2 | $ 450,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 2,519,525,000,000 | 2 | $ 310,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 2 | $ 240,000 |
| Weichert Financial Services 225 LITTLETON ROAD MORRIS PLAINS, NJ 07950 |
* | $ -1,000 | 2 | $ 620,000 |
| Nexbank 2515 MCKINNEY AVENUE, SUITE 1100 DALLAS, TX 75201 |
* | $ 10,822,403,000 | 2 | $ 470,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 2 | $ 490,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 2 | $ 780,000 |
| West Point Bank P.O. 440 RADCLIFF, KY 40160 |
* | $ 341,539,000 | 2 | $ 440,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 4,351,191,000 | 2 | $ 420,000 |
| First National Bank of Grayson 200 CAROL MALONE BLVD GRAYSON, KY 41143 |
* | $ 332,114,000 | 2 | $ 1,100,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 1,046,473,000 | 2 | $ 510,000 |
| Willamette Valley Bank 101 HIGH ST NE SALEM, OR 97301 |
* | $ 407,850,000 | 2 | $ 820,000 |
| Nations Direct Mortgage, LLC 2475 VILLAGE VIEW DRIVE SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 425,000 |
| Credit Union Mortgage Associat 10800 MAIN STREET FAIRFAX, VA 22030 |
* | $ -1,000 | 1 | $ 305,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 385,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 125,000 |
| State Departmenet Federal Credit Union 1630 KING STREET ALEXANDRIA, VA 22314 |
* | $ 2,625,847,000 | 1 | $ 235,000 |
| Colten Mortgage, LLC 6021 S SYRACUSE WAY STE 104 GREENWOOD VILLAGE, CO 80111 |
* | $ -1,000 | 1 | $ 165,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 55,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 3,890,954,000 | 1 | $ 55,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ -1,000 | 1 | $ 355,000 |
| Eclipse Bank Inc 3827 SHELBYVILLE RD LOUISVILLE, KY 40245 |
* | $ 292,541,000 | 1 | $ 245,000 |
| Draper and Kramer Mortgage Corp. 1431 OPUS PLACE SUITE 200 WILMINGTON, DE 60515 |
* | $ -1,000 | 1 | $ 165,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 135,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 1 | $ 305,000 |
| Simmons Bank 501 MAIN PINE BLUFF, AR 71601 |
* | $ 24,685,744,000 | 1 | $ 315,000 |
| Acrisure Mortgage, LLC 189 S ORANGE AVE STE 970 ORLANDO, FL 32801 |
* | $ -1,000 | 1 | $ 325,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 1,046,501,000 | 1 | $ 465,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 375,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 115,000 |
| Meade County Bank PO BOX 278 BRANDENBURG, KY 40108 |
* | $ 288,987,000 | 1 | $ 215,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 175,000 |
| Cherry Creek Mortgage, LLC 7600 E ORCHARD ROAD, SUITE 250 -N WILMINGTON, DE 80111 |
* | $ -1,000 | 1 | $ 65,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 95,000 |
| Beeline Loans, Inc. 188 VALLEY ST SUITE 225 PROVIDENCE, RI 02909 |
* | $ -1,000 | 1 | $ 285,000 |
| First Federal Bank 1300 MCFARLAND BLVD NE TUSCALOOSA, AL 35406 |
* | $ 131,771,000 | 1 | $ 175,000 |
| Synergy One Lending, Inc. 3131 CAMINO DEL RIO N. SUITE 150 SAN DIEGO, CA 92101 |
* | $ -1,000 | 1 | $ 155,000 |
| Bedford Loan & Deposit Bank P.O. BOX 276 45 HWY 42 E BEDFORD, KY 40006 |
* | $ 119,974,000 | 1 | $ 385,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 435,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 1 | $ 265,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 1 | $ 275,000 |
| Advanz Federal Credit Union 9600 ORMSBY STATION ROAD LOUISVILLE, KY 40223 |
* | $ 159,975,000 | 1 | $ 45,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 175,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 275,000 |
| Filo Mortgage, LLC 555 E NORTH LN #6125 WEST CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 325,000 |
| Guaranteed Rate Affinity, LLC 1800 WEST LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 145,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 1 | $ 245,000 |
| Waterstone Mortgage Corporation 17950 W CORPORATE DR STE 100 BROOKFIELD, WI 53045 |
* | $ -1,000 | 1 | $ 645,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 1 | $ 285,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,669,227,000,000 | 1 | $ 225,000 |
| Hometown Lenders, Inc. 310 THE BRIDGE STREET, 4TH FLOOR SUITE A HUNTSVILLE, AL 35806 |
* | $ -1,000 | 1 | $ 335,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 32,127,026,000 | 1 | $ 125,000 |
| Best Capital Funding 21540 PLUMMER STREET, SUITE A CHATSWORTH, CA 91311 |
* | $ -1,000 | 1 | $ 325,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,177,145,000 | 1 | $ 375,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 1 | $ 105,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 3,590,117,000 | 1 | $ 115,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ -1,000 | 1 | $ 145,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 365,000 |
| Andrews Federal Credit Union 5711 ALLENTOWN ROAD SUITLAND, MD 20746 |
* | $ 2,287,872,000 | 1 | $ 215,000 |
| Agfirst Farm Credit Bank 1901 MAIN STREET COLUMBIA, SC 29201 |
* | $ -1,000 | 1 | $ 605,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 1 | $ 235,000 |
| Quontic Bank 31-05 BROADWAY ASTORIA, NY 11106 |
* | $ 916,091,000 | 1 | $ 195,000 |
The tables below break down 2022 mortgage applications in Spencer 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 Spencer County, KY in 2022
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 | 533 | $153,385,000 | $287,000 | $1,125,000 | $108,000 | $1,094,000 |
| Cash-out Refinancing | 299 | $68,035,000 | $227,000 | $3,445,000 | $92,000 | $1,212,000 |
| Refinancing | 191 | $34,965,000 | $183,000 | $835,000 | $94,000 | $777,000 |
| Home Improvement | 126 | $10,700,000 | $84,000 | $415,000 | $114,000 | $299,000 |
| Other Purpose | 101 | $11,425,000 | $113,000 | $825,000 | $105,000 | $505,000 |
| Not Applicable | 5 | $455,000 | $91,000 | $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 | 1,007 | $216,175,000 | $214,000 | $915,000 | $100,000 | $1,212,000 |
| Not Provided | 126 | $29,170,000 | $231,000 | $645,000 | $122,000 | $1,070,000 |
| Not applicable | 76 | $22,740,000 | $299,000 | $3,445,000 | $196,000 | $196,000 |
| Hispanic | 22 | $4,620,000 | $210,000 | $635,000 | $123,000 | $500,000 |
| Black or African American | 14 | $3,840,000 | $274,000 | $505,000 | $92,000 | $224,000 |
| Asian | 5 | $1,415,000 | $283,000 | $505,000 | $81,000 | $136,000 |
| American Indian or Alaskan Native | 3 | $895,000 | $298,000 | $555,000 | $143,000 | $211,000 |
| Native Hawaiian 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) | 981 | $208,295,000 | $212,000 | $3,445,000 | $106,000 | $1,212,000 |
| FHA-insured (Federal Housing Administration) | 154 | $35,040,000 | $227,000 | $425,000 | $78,000 | $224,000 |
| VA-guaranteed (Veterans Administration) | 103 | $32,225,000 | $312,000 | $635,000 | $98,000 | $227,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $3,405,000 | $200,000 | $285,000 | $62,000 | $103,000 |
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 | 765 | $171,185,000 | $223,000 | $3,445,000 | $105,000 | $1,094,000 |
| Application Withdrawn By Applicant | 161 | $39,255,000 | $243,000 | $825,000 | $103,000 | $505,000 |
| Application Denied By Financial Institution | 143 | $25,575,000 | $178,000 | $835,000 | $95,000 | $1,212,000 |
| Loan Purchased By The Institution | 86 | $22,330,000 | $259,000 | $645,000 | $159,000 | $764,000 |
| File Closed For Incompleteness | 58 | $10,700,000 | $184,000 | $575,000 | $81,000 | $191,000 |
| Application Approved But Not Accepted | 42 | $9,920,000 | $236,000 | $905,000 | $86,000 | $211,000 |
| 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 | 1,092 | $246,720,000 | $225,000 | $3,445,000 | $103,000 | $1,094,000 |
| Debt-To-Income Ratio | 57 | $15,575,000 | $273,000 | $1,125,000 | $84,000 | $612,000 |
| Credit History | 45 | $5,955,000 | $132,000 | $595,000 | $129,000 | $1,212,000 |
| Collateral | 22 | $3,910,000 | $177,000 | $595,000 | $95,000 | $174,000 |
| Credit Application Incomplete | 14 | $2,210,000 | $157,000 | $325,000 | $128,000 | $500,000 |
| Unverifiable Information | 13 | $1,695,000 | $130,000 | $305,000 | $60,000 | $214,000 |
| Other | 8 | $1,380,000 | $172,000 | $305,000 | $69,000 | $107,000 |
| Employment History | 2 | $890,000 | $445,000 | $475,000 | $105,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $630,000 | $315,000 | $395,000 | $111,000 | $154,000 |
| 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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