Warren County, KY Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 5,509 mortgage applications in Warren County, KY totaling $1.0 billion, up 17% from 2015. The average application was for $189,000, and applicants reported an average income of $71,000. 62% of applications resulted in an originated loan and 13% were denied. The most active lender was US Bank, N.A., with 655 applications, followed by Truist Bank and American Bank & Trust Company Inc..
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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 | 5,509 |
| Total Mortgage Loan Application Amount | $1,043,441,000 |
| Average Mortgage Loan Application Amount | $189,000 |
| Highest Mortgage Loan Application Amount | $32,742,000 |
| Average Applicant Income | $71,000 |
| Highest Applicant Income | $4,175,000 |
Top Mortgage Lenders in Warren County, KY (2016)
Ranked by the number of mortgage applications each lender reported in Warren County, KY in 2016.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | US Bank, N.A. Cincinnati, OH |
655 | $97,552,000 | $148,000 | $65,000 |
| 2 | Truist Bank Raleigh, NC |
282 | $45,379,000 | $160,000 | $64,000 |
| 3 | American Bank & Trust Company Inc. Bowling Green, KY |
279 | $39,855,000 | $142,000 | $45,000 |
| 4 | Franklin American Mortgage Company Franklin, TN |
255 | $48,557,000 | $190,000 | $90,000 |
| 5 | South Central Bank Inc Glasgow, KY |
252 | $36,087,000 | $143,000 | $84,000 |
| 6 | Kind Lending, LLC Irvine, CA |
226 | $35,971,000 | $159,000 | $67,000 |
| 7 | Wells Fargo Bank NA Minneapolis, MN |
166 | $66,972,000 | $403,000 | $76,000 |
| 8 | Magnolia Bank Hodgenville, KY |
158 | $27,555,000 | $174,000 | $73,000 |
| 9 | Republic State Mortgage Company Houston, TX |
153 | $24,938,000 | $162,000 | $71,000 |
| 10 | Independence Bank of Kentucky Owensboro, KY |
137 | $34,059,000 | $248,000 | $89,000 |
The tables below break down 2016 mortgage applications in Warren 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 Warren 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 | 2,749 | $513,136,000 | $186,000 | $21,000,000 | $68,000 | $1,343,000 |
| Refinancing | 2,404 | $508,130,000 | $211,000 | $32,742,000 | $76,000 | $4,175,000 |
| Home Improvement | 356 | $22,175,000 | $62,000 | $1,553,000 | $66,000 | $645,000 |
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 | 3,754 | $581,586,000 | $154,000 | $2,335,000 | $85,000 | $3,085,000 |
| Not applicable | 847 | $326,784,000 | $385,000 | $32,742,000 | $5,000 | $323,000 |
| Not Provided | 338 | $54,484,000 | $161,000 | $753,000 | $96,000 | $4,175,000 |
| Black or African American | 221 | $29,459,000 | $133,000 | $627,000 | $60,000 | $564,000 |
| Hispanic | 160 | $21,169,000 | $132,000 | $700,000 | $60,000 | $364,000 |
| Asian | 146 | $22,404,000 | $153,000 | $600,000 | $63,000 | $440,000 |
| American Indian or Alaskan Native | 29 | $5,490,000 | $189,000 | $776,000 | $201,000 | $1,307,000 |
| Native Hawaiin or Other Pacific Islander | 14 | $2,065,000 | $147,000 | $255,000 | $55,000 | $171,000 |
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) | 3,913 | $792,684,000 | $202,000 | $32,742,000 | $84,000 | $4,175,000 |
| FHA-insured (Federal Housing Administration) | 935 | $134,925,000 | $144,000 | $340,000 | $38,000 | $239,000 |
| VA-guaranteed (Veterans Administration) | 459 | $87,870,000 | $191,000 | $594,000 | $48,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 202 | $27,962,000 | $138,000 | $329,000 | $33,000 | $99,000 |
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 | 3,403 | $698,335,000 | $205,000 | $32,742,000 | $84,000 | $4,175,000 |
| Application Denied By Financial Institution | 743 | $102,579,000 | $138,000 | $8,828,000 | $62,000 | $2,620,000 |
| Loan Purchased By The Institution | 660 | $114,917,000 | $174,000 | $829,000 | $19,000 | $323,000 |
| Application Withdrawn By Applicant | 375 | $68,994,000 | $183,000 | $6,750,000 | $75,000 | $2,615,000 |
| File Closed For Incompleteness | 172 | $29,564,000 | $171,000 | $9,767,000 | $54,000 | $290,000 |
| Application Approved But Not Accepted | 156 | $29,052,000 | $186,000 | $2,670,000 | $80,000 | $564,000 |
| 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 | 171 | $14,558,000 | $85,000 | $840,000 | $87,000 | $2,620,000 |
| Debt-To-Income Ratio | 101 | $13,665,000 | $135,000 | $496,000 | $43,000 | $232,000 |
| Collateral | 37 | $6,707,000 | $181,000 | $995,000 | $87,000 | $366,000 |
| Credit Application Incomplete | 32 | $13,683,000 | $427,000 | $8,828,000 | $63,000 | $176,000 |
| Other | 28 | $4,741,000 | $169,000 | $766,000 | $58,000 | $236,000 |
| Unverifiable Information | 19 | $2,672,000 | $140,000 | $536,000 | $81,000 | $400,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $1,854,000 | $123,000 | $306,000 | $51,000 | $119,000 |
| Employment History | 4 | $572,000 | $143,000 | $232,000 | $53,000 | $74,000 |
| 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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