Washington County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 453 mortgage applications in Washington County, KY totaling $48.8 million, up 4% from 2008. The average application was for $107,000, and applicants reported an average income of $55,000. 48% of applications resulted in an originated loan and 26% were denied. The most active lender was Branch Banking and Trust Co, with 136 applications, followed by US Bank North Dakota and US 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 | 453 |
| Total Mortgage Loan Application Amount | $48,807,000 |
| Average Mortgage Loan Application Amount | $107,000 |
| Highest Mortgage Loan Application Amount | $595,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $785,000 |
* 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 |
|---|---|---|---|---|
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 136 | $ 15,475,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 40 | $ 3,945,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 25 | $ 3,257,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 22 | $ 2,536,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 19 | $ 1,857,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 18 | $ 1,983,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 17 | $ 1,599,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 17 | $ 2,096,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 14 | $ 1,918,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 9 | $ 757,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 8 | $ 1,196,000 |
| Kentucky Home Bank 940 BLOOMFIELD RD. BARDSTOWN, KY 40004 |
* | $ 98,823,000 | 8 | $ 435,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 140,777,455,000 | 7 | $ 537,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 643,000 |
| King Southern Bank 911 BLANKENBAKER PKWY LOUISVILLE, KY 40243 |
* | $ 165,713,000 | 5 | $ 118,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 185,098,787,000 | 4 | $ 666,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 4 | $ 542,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 4 | $ 534,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 4 | $ 126,000 |
| United Bank & Trust 100 UNITED BANK DRIVE VERSAILLES, KY 40383 |
* | $ 785,640,000 | 4 | $ 270,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 4 | $ 355,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 4 | $ 543,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 4 | $ 311,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 833,513,000 | 4 | $ 555,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 3 | $ 167,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 3 | $ 286,000 |
| Town & Country Bank and Trust Co. PO BOX 305 BARDSTOWN, KY 40004 |
* | $ 398,767,000 | 3 | $ 80,000 |
| Hfc Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 15,000,000 | 3 | $ 363,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 3 | $ 307,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,398,452,000 | 3 | $ 111,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 160,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,064,641,000 | 2 | $ 24,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 9,000 |
| Wilson & Muir Bank & Trust Company 107 N THIRD ST BARDSTOWN, KY 40004 |
* | $ 343,960,000 | 2 | $ 72,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 631,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 1 | $ 230,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 135,000 |
| Sirva Mortgage, Inc. 6200 OAK TREE BLVD STE 300 SEVEN HILLS, OH 44131 |
* | $ 101,315,000 | 1 | $ 323,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 110,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Equity Services, Inc. 5711 SIX FORKS ROAD, STE 201 RALEIGH, NC 27609 |
* | $ 10,000,000 | 1 | $ 118,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 112,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 35,000 |
| Qr Lending Inc 555 ZOR SHRINE PLACE MADISON, WI 53719 |
* | $ 1,093,327,000 | 1 | $ 129,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 137,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 59,000 |
| M&I Bank FSB W57N14280 DOERR WAY CEDARBURG, WI 53012 |
* | $ 2,568,044,000 | 1 | $ 156,000 |
| Pentagon Federal Credit Union 14300 SULLYFIELD CIRCLE CHANTILLY, VA 20151 |
* | $ 12,942,945,000 | 1 | $ 50,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 728,861,000 | 1 | $ 87,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 1,529,917,000 | 1 | $ 155,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 273,842,000 | 1 | $ 5,000 |
| Citizens Guaranty Bank 457 EAST MAIN STREET; PO BOX 767 RICHMOND, KY 40476 |
* | $ 117,399,000 | 1 | $ 31,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ 3,867,289,000 | 1 | $ 122,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,014,126,000 | 1 | $ 141,000 |
| Your Community Bank 101 W MAIN ST NEW ALBANY, IN 47150 |
* | $ 737,818,000 | 1 | $ 3,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,519,961,000 | 1 | $ 135,000 |
| Citicorp Trust Bank, FSB 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 21,270,147,000 | 1 | $ 68,000 |
| State Farm Bank 1 STATE FARM PLAZA BLOOMINGTON, IL 61710 |
* | $ 16,669,297,000 | 1 | $ 82,000 |
| Commonwealth Bank and Trust Company 4912 U S HWY 42 LOUISVILLE, KY 40222 |
* | $ 690,562,000 | 1 | $ 117,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 97,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,483,611,000 | 1 | $ 76,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 817,286,000 | 1 | $ 226,000 |
| The Cecilian Bank 104 EAST MAIN STREET CECILIA, KY 42724 |
* | $ 338,291,000 | 1 | $ 65,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 1 | $ 10,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 573,031,000 | 1 | $ 26,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 127,000 |
The tables below break down 2009 mortgage applications in Washington 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 Washington County, KY in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 310 | $36,495,000 | $117,000 | $441,000 | $59,000 | $785,000 |
| Home Purchase | 119 | $10,848,000 | $91,000 | $323,000 | $44,000 | $209,000 |
| Home Improvement | 24 | $1,464,000 | $61,000 | $595,000 | $58,000 | $292,000 |
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 | 399 | $43,108,000 | $108,000 | $595,000 | $57,000 | $785,000 |
| Not Provided | 23 | $2,765,000 | $120,000 | $335,000 | $54,000 | $160,000 |
| Not applicable | 17 | $1,428,000 | $84,000 | $140,000 | $23,000 | $82,000 |
| Black or African American | 9 | $1,000,000 | $111,000 | $195,000 | $34,000 | $64,000 |
| American Indian or Alaskan Native | 3 | $330,000 | $110,000 | $165,000 | $88,000 | $135,000 |
| Asian | 1 | $167,000 | $167,000 | $167,000 | $0 | $0 |
| Hispanic | 1 | $9,000 | $9,000 | $9,000 | $19,000 | $19,000 |
| 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) | 354 | $37,261,000 | $105,000 | $595,000 | $60,000 | $785,000 |
| FHA-insured (Federal Housing Administration) | 79 | $9,346,000 | $118,000 | $261,000 | $42,000 | $111,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $968,000 | $96,000 | $137,000 | $8,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,232,000 | $123,000 | $188,000 | $32,000 | $69,000 |
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 | 219 | $22,776,000 | $104,000 | $441,000 | $61,000 | $785,000 |
| Application Denied By Financial Institution | 118 | $12,772,000 | $108,000 | $417,000 | $51,000 | $324,000 |
| Application Withdrawn By Applicant | 48 | $5,280,000 | $110,000 | $335,000 | $51,000 | $196,000 |
| Loan Purchased By The Institution | 44 | $4,550,000 | $103,000 | $188,000 | $31,000 | $101,000 |
| File Closed For Incompleteness | 12 | $2,160,000 | $180,000 | $595,000 | $82,000 | $292,000 |
| Application Approved But Not Accepted | 12 | $1,269,000 | $105,000 | $212,000 | $65,000 | $135,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 30 | $3,818,000 | $127,000 | $417,000 | $70,000 | $228,000 |
| Debt-To-Income Ratio | 20 | $2,073,000 | $103,000 | $269,000 | $31,000 | $73,000 |
| Credit History | 19 | $1,853,000 | $97,000 | $417,000 | $56,000 | $289,000 |
| Other | 6 | $708,000 | $118,000 | $392,000 | $78,000 | $324,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $99,000 | $49,000 | $76,000 | $44,000 | $49,000 |
| Mortgage Insurance Denied | 1 | $127,000 | $127,000 | $127,000 | $65,000 | $65,000 |
| Employment History | 1 | $100,000 | $100,000 | $100,000 | $38,000 | $38,000 |
| Credit Application Incomplete | 1 | $238,000 | $238,000 | $238,000 | $48,000 | $48,000 |
| Unverifiable Information | 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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