Union County, KY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 323 mortgage applications in Union County, KY totaling $43.5 million, up 10% from 2024. The average application was for $134,000, and applicants reported an average income of $87,000. 46% of applications resulted in an originated loan and 20% were denied. The most active lender was Fifth Third Bank, National Association, with 50 applications, followed by Das Acquisition Company, LLC and PennyMac Loan Services LLC.
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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 | 323 |
| Total Mortgage Loan Application Amount | $43,545,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $686,000 |
* 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 |
|---|---|---|---|---|
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 50 | $ 4,150,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ n/a | 17 | $ 2,815,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 17 | $ 3,085,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ n/a | 16 | $ 1,800,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 12 | $ 1,960,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ n/a | 11 | $ 1,215,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 10 | $ 1,860,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 10 | $ 1,460,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 10 | $ 1,220,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 9 | $ 905,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ n/a | 8 | $ 1,040,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 8 | $ 1,470,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 8 | $ 1,010,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 795,000 |
| Farmers Bank and Trust Company 201 SOUTH MAIN STREET MARION, KY 42064 |
* | $ n/a | 6 | $ 920,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 635,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 5 | $ 745,000 |
| Mortgage Masters of Indiana Inc 501 N CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ n/a | 5 | $ 875,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 4 | $ 730,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ n/a | 4 | $ 370,000 |
| Field & Main Bank 140 N. MAIN ST. HENDERSON, KY 42420 |
* | $ n/a | 4 | $ 420,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 4 | $ 690,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 4 | $ 570,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 4 | $ 610,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ n/a | 3 | $ 725,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 3 | $ 505,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 3 | $ 265,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 385,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 755,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 3 | $ 595,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 195,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 2 | $ 300,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 2 | $ 220,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 190,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 2 | $ 540,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 70,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 2 | $ 220,000 |
| Servion 500 MAIN STREET NEW BRIGHTON, MN 55112 |
* | $ n/a | 2 | $ 200,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ n/a | 2 | $ 320,000 |
| Countryplace Mortgage, Ltd. PLANO, TX 75024 |
* | $ n/a | 2 | $ 460,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 165,000 |
| Loanunited.Com, LLC 3235 SATELLITE BLVD SUITE 314 DULUTH, GA 30096 |
* | $ n/a | 1 | $ 75,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 1 | $ 255,000 |
| South Central Bank Inc 501 S L ROGERS WELLS BLVD GLASGOW, KY 42141 |
* | $ n/a | 1 | $ 65,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 95,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 1 | $ 175,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 55,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 95,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 305,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 85,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 135,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 155,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 1 | $ 25,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 175,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ n/a | 1 | $ 75,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 75,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 1 | $ 75,000 |
| Banterra Bank 111 AIRWAY DRIVE MARION, IL 62959 |
* | $ n/a | 1 | $ 335,000 |
| Loanflight Lending, Llc. 201 N FRANKLIN ST STE 3440 TAMPA, FL 33634 |
* | $ n/a | 1 | $ 155,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 35,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 25,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 105,000 |
| Servis One, Inc 4200 REGENT BLVD SUIT B200 IRVING, TX 75063 |
* | $ n/a | 1 | $ 85,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 1 | $ 125,000 |
| First United Bank & Trust Company 162 N MAIN ST MADISONVILLE, KY 42431 |
* | $ n/a | 1 | $ 85,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 185,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 105,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 85,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 445,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 1 | $ 165,000 |
| Security Bank and Trust Company 110 S MAIN ST DYER, TN 38330 |
* | $ n/a | 1 | $ 465,000 |
| Sterling United FCU 1330 W FRANKLIN ST EVANSVILLE, IN 47710 |
* | $ n/a | 1 | $ 255,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 65,000 |
The tables below break down 2025 mortgage applications in Union 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 Union County, KY in 2025
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 | 145 | $24,055,000 | $165,000 | $465,000 | $85,000 | $284,000 |
| Cash-out Refinancing | 66 | $8,830,000 | $133,000 | $295,000 | $73,000 | $194,000 |
| Refinancing | 48 | $5,890,000 | $122,000 | $605,000 | $100,000 | $589,000 |
| Other Purpose | 35 | $2,725,000 | $77,000 | $535,000 | $104,000 | $686,000 |
| Home Improvement | 28 | $2,020,000 | $72,000 | $285,000 | $92,000 | $318,000 |
| Not Applicable | 1 | $25,000 | $25,000 | $25,000 | $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 | 240 | $31,580,000 | $131,000 | $605,000 | $89,000 | $686,000 |
| Not applicable | 43 | $7,085,000 | $164,000 | $465,000 | $0 | $0 |
| Not Provided | 17 | $1,825,000 | $107,000 | $265,000 | $65,000 | $130,000 |
| Black or African American | 12 | $1,620,000 | $135,000 | $225,000 | $75,000 | $99,000 |
| Hispanic | 8 | $1,090,000 | $136,000 | $285,000 | $125,000 | $179,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $85,000 | $34,000 | $36,000 |
| Asian | 1 | $185,000 | $185,000 | $185,000 | $128,000 | $128,000 |
| 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) | 177 | $19,715,000 | $111,000 | $605,000 | $98,000 | $686,000 |
| FHA-insured (Federal Housing Administration) | 89 | $14,335,000 | $161,000 | $535,000 | $66,000 | $155,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,595,000 | $192,000 | $385,000 | $88,000 | $179,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 28 | $3,900,000 | $139,000 | $215,000 | $71,000 | $143,000 |
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 | 150 | $20,820,000 | $138,000 | $605,000 | $91,000 | $686,000 |
| Application Denied By Financial Institution | 64 | $6,360,000 | $99,000 | $275,000 | $81,000 | $247,000 |
| Loan Purchased By The Institution | 40 | $6,810,000 | $170,000 | $295,000 | $66,000 | $84,000 |
| Application Withdrawn By Applicant | 34 | $5,030,000 | $147,000 | $535,000 | $91,000 | $542,000 |
| File Closed For Incompleteness | 24 | $3,010,000 | $125,000 | $285,000 | $84,000 | $129,000 |
| Application Approved But Not Accepted | 10 | $1,330,000 | $133,000 | $305,000 | $83,000 | $108,000 |
| Preapproval Denied by Financial Institution | 1 | $185,000 | $185,000 | $185,000 | $143,000 | $143,000 |
| 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 | 237 | $33,815,000 | $142,000 | $605,000 | $86,000 | $686,000 |
| Credit History | 33 | $2,905,000 | $88,000 | $245,000 | $91,000 | $247,000 |
| Debt-To-Income Ratio | 29 | $3,875,000 | $133,000 | $465,000 | $94,000 | $318,000 |
| Collateral | 10 | $1,020,000 | $102,000 | $215,000 | $78,000 | $194,000 |
| Other | 5 | $735,000 | $147,000 | $255,000 | $101,000 | $143,000 |
| Credit Application Incomplete | 3 | $275,000 | $91,000 | $125,000 | $104,000 | $201,000 |
| Unverifiable Information | 2 | $240,000 | $120,000 | $145,000 | $46,000 | $58,000 |
| Employment History | 2 | $380,000 | $190,000 | $275,000 | $41,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $300,000 | $150,000 | $225,000 | $149,000 | $149,000 |
| 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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