Wayne County, KY Mortgage Lenders & HMDA Data, 2007

In 2007, lenders reported 912 mortgage applications in Wayne County, KY totaling $67.1 million, down 22% from 2006. The average application was for $73,000, and applicants reported an average income of $49,000. 55% of applications resulted in an originated loan and 26% were denied. The most active lender was Monticello Banking Company, with 269 applications, followed by Branch Banking and Trust Co and First Southern National Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 912
Total Mortgage Loan Application Amount $67,134,000
Average Mortgage Loan Application Amount $73,000
Highest Mortgage Loan Application Amount $1,180,000
Average Applicant Income $49,000
Highest Applicant Income $677,000

Mortgage Company List for Lending in Wayne County, KY for 2007

* 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
Monticello Banking Company
50 NORTH MAIN STREET
MONTICELLO, KY 42633
* $ 431,546,000 269 $ 15,758,000
Branch Banking and Trust Co
223 W NASH STREET
WILSON, NC 27893
* $ 117,134,085,000 100 $ 7,338,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 689,165,000 79 $ 4,211,000
Countrywide Home Loans
30930 RUSSELL RANCH ROAD MS WLRR-148
WESTLAKE VILLAGE, CA 91362
* $ 199,946,230,000 54 $ 5,371,000
Lendmark Financial Services
223 W NASH ST
WILSON, NC 27893
* $ 43,592,768,000 35 $ 1,892,000
Beneficial Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 4,017,643,000 34 $ 2,312,000
Countrywide Bank FSB
30930 RUSSELL RANCH ROAD MS CA6-916-02-0
WESTLAKE VILLAGE, CA 91362
* $ 92,836,714,000 28 $ 2,784,000
Citifinancial Services, Inc.
300 ST. PAUL PLACE
BALTIMORE, MD 21202
* $ 1,884,318,000,000 20 $ 1,091,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ 10,000,000 20 $ 1,539,000
Vanderbilt Mortgage
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ 31,000,000 12 $ 437,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ 10,000,000 11 $ 294,000
Equity One
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 21,874,000,000 11 $ 591,000
Gmac Mortgage LLC
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 31,000,000 10 $ 1,044,000
National City Bank
1900 E NINTH ST LOC 01-3144
CLEVELAND, OH 44114
* $ 134,344,792,000 10 $ 937,000
Equifirst Corporation
13000 S TRYON ST, STE F, PMB 317
CHARLOTTE, NC 28278
* $ 138,667,948,000 9 $ 813,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 8 $ 1,650,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 1,179,390,000,000 8 $ 704,000
Eloan
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 48,624,000,000 7 $ 653,000
Fifth Third Mortgage Company
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 52,671,972,000 7 $ 1,556,000
Home Loan Investment Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 254,471,000 6 $ 371,000
Hfc Company LLC
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 15,000,000 6 $ 557,000
Popular Housing Services
9600 WEST BRYN MAWR
ROSEMONT, IL 60018
* $ 12,000,000 6 $ 348,000
Tammac Holdings Corporation
480 SWEDESFORD ROAD SUITE 200
WAYNE, PA 19087
* $ 60,000,000 6 $ 372,000
Citimortgage, Inc
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 5 $ 331,000
First National Bank of America
241 EAST SAGINAW
EAST LANSING, MI 48823
* $ 390,576,000 5 $ 209,000
Wells Fargo Bank, NA
1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, IA 50328
* $ 398,671,000,000 5 $ 350,000
Saxon Mortgage
4840 COX ROAD
GLEN ALLEN, VA 23060
* $ 10,000,000 5 $ 622,000
Option One Mortgage Corp
6501 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ 10,000,000 4 $ 880,000
Taylor, Bean & Whitaker
315 NE 14TH STREET
OCALA, FL 34470
* $ 10,000,000 4 $ 389,000
Flagstar Bank
5151 CORPORATE DR
TROY, MI 48098
* $ 15,464,820,000 4 $ 343,000
Citizens Guaranty Bank
457 EAST MAIN STREET; PO BOX 767
RICHMOND, KY 40476
* $ 106,188,000 4 $ 72,000
Chase Manhattan Bank USA, NA
200 WHITE CLAY CENTER DR
NEWARK, DE 19711
* $ 83,973,505,000 4 $ 344,000
US Bank North Dakota
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 4,419,450,000 4 $ 602,000
Calusa Investments, L.L.C.
P.O. BOX 710840
HERNDON, VA 20171
* $ 10,000,000 4 $ 449,000
Capital One Home Loans, LLC
12800 FOSTER STREET
OVERLAND PARK, KS 66213
* $ 88,701,411,000 4 $ 295,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ 10,000,000 4 $ 313,000
Tmg Real Estate & Financial
310 W. LIBERTY ST. STE 100
LOUISVILLE, KY 40202
* $ 292,000 3 $ 343,000
Shore Mortgage
770 S. ADAMS ROAD #300
BIRMINGHAM, MI 48009
* $ 10,000,000 3 $ 236,000
First Nlc Financial Services,
4680 CONFERENCE WAY SOUTH
BOCA RATON, FL 33431
* $ 10,000,000 3 $ 308,000
The Mortgage Outlet, Inc.
1800 SANDY PLAINS PKWY. SUITE 304
MARIETTA, GA 30066
* $ 10,000,000 3 $ 216,000
First Franklin Financial Corp
2150 NORTH FIRST STREET
SAN JOSE, CA 95131
* $ 14,004,000 3 $ 321,000
Central Bank of Jefferson Cty
4630 TAYLORSVILLE RD
LOUISVILLE, KY 40220
* $ 179,066,000 3 $ 555,000
Wells Fargo Fin'l Kentucky Inc
800 WALNUT ST, 6TH FLOOR, MAC F4031-061
DES MOINES, IA 50309
* $ 36,752,895,000 3 $ 277,000
Washington Mutual Bank
227 EAST AVENUE
ALBION, NY 14411
* $ 345,610,758,000 3 $ 306,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 90,142,449,000 3 $ 364,000
Citizens Bank
130 S BROAD STREET
NEW TAZEWELL, TN 37825
* $ 148,494,000 2 $ 120,000
US Bank, N.A.
777 EAST WISCONSIN AVE
MILWAUKEE, WI 53202
* $ 217,802,326,000 2 $ 138,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 533,671,000 2 $ 512,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 514,993,000 2 $ 157,000
Citizens Nb of Paintsville
PO BOX 1488
PAINTSVILLE, KY 41240
* $ 447,310,000 2 $ 80,000
Capital One NA
11130 INDUSTRIALPLEX BLVD
BATON ROUGE, LA 70809
* $ 30,802,955,000 2 $ 27,000
Lasalle Bank NA
135 SOUTH LASALLE STREET, STE 2325
CHICAGO, IL 60603
* $ 72,966,529,000 2 $ 63,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ 2,857,914,000 2 $ 194,000
Ally Bank F/K/A/ Gmac Bank
1100 VIRGINIA DRIVE
FT. WASHINGTON, PA 19034
* $ 19,937,022,000 2 $ 224,000
First Rate Mortgage
10400 LINN STATION RD
LOUISVILLE, KY 40223
* $ 102,272,000 2 $ 145,000
Wells Fargo Funding, Inc
100 N MAIN STREEET MAC D4001-063
WINSTON-SALEM, NC 27150
* $ 25,457,000 2 $ 293,000
Newmarket Financial Mortgage
11513 COMMONWEALTH DRIVE
LOUISVILLE, KY 40299
* $ 10,000,000 2 $ 219,000
Ameriquest Mortgage Company
1100 TOWN & COUNTRY ROAD
ORANGE, CA 92868
* $ 10,000,000 1 $ 91,000
Ifreedom Direct Corporation
124 N. CHARLES LINDBERGH DRIVE
SLC, UT 84116
* $ 10,000,000 1 $ 87,000
Allied Home Mtg Capital Corp
6110 PINEMONT DR., STE. 215
HOUSTON, TX 77092
* $ 10,000,000 1 $ 117,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ 10,000,000 1 $ 87,000
The Cit Group/Consumer Finance
1 CIT DRIVE
LIVINGSTON, NJ 07039
* $ 10,000,000 1 $ 135,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ 8,994,122,000 1 $ 89,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ 31,000,000 1 $ 85,000
Select Mortgage Group Ltd
3040 PRESIDENTIAL DR
FAIRBORN, OH 45324
* $ 370,000 1 $ 53,000
CU Factory Built Lending, LP
6061 IH-10 WEST
SAN ANTONIO, TX 78201
* $ 1,761,607,000 1 $ 29,000
Npb Mortgage LLC
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 145,000,000 1 $ 45,000
Origen Financial Services LLC
27777 FRANKLIN ROAD SUITE 1710
SOUTHFIELD, MI 48034
* $ 10,000,000 1 $ 49,000
Wachovia Mortgage Corp
301 S COLLEGE ST
CHARLOTTE, NC 28202
* $ 2,687,938,000 1 $ 105,000
Coastal Mortgage Services, Inc
11230 CARMEL COMMONS BOULEVARD
CHARLOTTE, NC 28226
* $ 10,000,000 1 $ 127,000
Peoples Home Equity
5205 MARYLAND WAY SUITE 100
BRENTWOOD, TN 37027
* $ 1,065,000 1 $ 86,000
Novastar Mortgage
2114 CENTRAL SUITE 600
KANSAS CITY, MO 64108
* $ 10,000,000 1 $ 98,000
Corinthian Mortgage Corp
5750 W 95TH STREET, SUITE 155
OVERLAND PARK, KS 66207
* $ 341,661,000 1 $ 138,000
Ace Mortgage Funding, Llc.
7820 INNOVATION BLVD. SUITE 300
INDIANAPOLIS, IN 46278
* $ 10,000,000 1 $ 78,000
HSBC Mortgage Corp
2929 WALDEN AVE
DEPEW, NY 14043
* $ 92,958,000 1 $ 45,000
Wilmington Finance, Inc.
620 W GERMANTOWN RD
PLYMOUTH MEETING, PA 19462
* $ 10,000,000 1 $ 85,000
Argent Mortgage Company
1100 TOWN & COUNTRY
ORANGE, CA 92868
* $ 10,000,000 1 $ 59,000
First Residential Mortgage
9721 ORMSBY STATION RD.
LOUISVILLE, KY 40223
* $ 10,000,000 1 $ 118,000
Advent Mortgage, LLC
305 N HURSTBOURNE LN. SUITE 120
LOUISVILLE, KY 40222
* $ 436,077,000 1 $ 80,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 650,076,000 1 $ 153,000
M&T Bank
1 M&T PLAZA -15TH FLOOR
BUFFALO, NY 14203
* $ 56,382,388,000 1 $ 384,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 2,958,674,000 1 $ 7,000
Fifth Third Bank Michigan
5001 KINGSLEY DRIVE MD 1MOB2W
CINCINNATI, OH 45227
* $ 48,441,275,000 1 $ 25,000
First National Bank of Arizona
17600 NORTH PERIMETER DRIVE
SCOTTSDALE, AZ 85255
* $ 2,947,186,000 1 $ 120,000
First Indiana Bank
135 NORTH PENNSYLVANIA
INDIANAPOLIS, IN 46204
* $ 2,158,392,000 1 $ 80,000
The Bank of Kentucky
111 LOOKOUT FARM DR
CRESTVIEW HILLS, KY 41017
* $ 1,050,229,000 1 $ 238,000
The Bank-Oldham County, Inc.
PO BOX 500
LAGRANGE, KY 40031
* $ 138,276,000 1 $ 84,000
HSBC Mortgage Services, Inc.
26525 NORTH RIVERWOODS BLVD.
METTAWA, IL 60045
* $ 16,981,282,000 1 $ 126,000
Citicorp Trust Bank, FSB
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 20,349,757,000 1 $ 42,000
Keybank National Association
100 PUBLIC SQUARE STE 600 OH-01-10-06006
CLEVELAND, OH 44113
* $ 88,081,220,000 1 $ 8,000
Ge Money Bank
4246 SOUTH RIVERBOAT RDCSUITE 200
SALT LAKE CITY, UT 84123
* $ 12,595,722,000 1 $ 4,000
Sun National Bank
226 LANDIS AVE.
VINELAND, NJ 08360
* $ 3,319,502,000 1 $ 5,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 252,285,000 1 $ 94,000
Class Act Federal Credit Union
3620 FERN VALLEY RD
LOUISVILLE, KY 40219
* $ 91,355,000 1 $ 25,000
Citibank, N.A.
601 LEXINGTON AVENUE, 20TH FLOOR
NEW YORK, NY 10022
* $ 1,019,497,000,000 1 $ 50,000
Tierone Bank
1235 "N" STREET
LINCOLN, NE 68508
* $ 3,429,718,000 1 $ 82,000
Indymac Bank, F.S.B.
888 EAST WALNUT ST
PASADENA, CA 91101
* $ 28,740,902,000 1 $ 63,000
Nfcu
820 FOLLIN LANE
VIENNA, VA 22180
* $ 27,121,892,000 1 $ 42,000
Clayton Bank and Trust
520 WEST SUMMIT HILL DRIVE SUITE 801
KNOXVILLE, TN 37902
* $ 347,665,000 1 $ 32,000
The Huntington National Bank
7575 HUNTINGTON PARK DR
COLUMBUS, OH 43235
* $ 34,914,009,000 1 $ 237,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 26,048,419,000 1 $ 120,000
New South Federal Savings Bank
1900 CRESTWOOD BOULEVARD
BIRMINGHAM, AL 35210
* $ 1,762,171,000 1 $ 44,000
Union Savings Bank
8534 E. KEMPER ROAD
CINCINNATI, OH 45249
* $ 1,607,093,000 1 $ 40,000

The tables below break down 2007 mortgage applications in Wayne 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 Wayne County, KY in 2007

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 514 $43,232,000 $84,000 $1,180,000 $50,000 $583,000
Home Purchase 292 $20,085,000 $68,000 $400,000 $49,000 $677,000
Home Improvement 106 $3,817,000 $36,000 $350,000 $41,000 $262,000

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 825 $60,457,000 $73,000 $1,180,000 $50,000 $677,000
Not Provided 52 $4,209,000 $80,000 $156,000 $44,000 $228,000
Not applicable 15 $1,156,000 $77,000 $124,000 $23,000 $105,000
Black or African American 9 $461,000 $51,000 $103,000 $55,000 $158,000
Hispanic 8 $600,000 $75,000 $120,000 $31,000 $96,000
Asian 2 $219,000 $109,000 $145,000 $47,000 $72,000
American Indian or Alaskan Native 1 $32,000 $32,000 $32,000 $33,000 $33,000
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) 863 $63,070,000 $73,000 $1,180,000 $49,000 $677,000
FHA-insured (Federal Housing Administration) 40 $3,401,000 $85,000 $129,000 $41,000 $89,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7 $499,000 $71,000 $86,000 $28,000 $40,000
VA-guaranteed (Veterans Administration) 2 $164,000 $82,000 $84,000 $13,000 $26,000

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 506 $35,425,000 $70,000 $1,180,000 $52,000 $677,000
Application Denied By Financial Institution 241 $17,028,000 $70,000 $575,000 $40,000 $234,000
Application Withdrawn By Applicant 54 $4,955,000 $91,000 $384,000 $54,000 $250,000
Loan Purchased By The Institution 47 $3,789,000 $80,000 $179,000 $39,000 $129,000
Application Approved But Not Accepted 44 $4,066,000 $92,000 $574,000 $64,000 $528,000
File Closed For Incompleteness 20 $1,871,000 $93,000 $250,000 $54,000 $340,000
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 80 $4,603,000 $57,000 $194,000 $33,000 $120,000
Collateral 29 $2,638,000 $90,000 $575,000 $55,000 $140,000
Debt-To-Income Ratio 23 $1,731,000 $75,000 $174,000 $28,000 $73,000
Other 20 $1,844,000 $92,000 $417,000 $46,000 $234,000
Insufficient Cash (Downpayment, Closing Cost) 4 $248,000 $62,000 $79,000 $46,000 $64,000
Unverifiable Information 3 $197,000 $65,000 $80,000 $35,000 $49,000
Employment History 3 $182,000 $60,000 $84,000 $37,000 $43,000
Credit Application Incomplete 3 $296,000 $98,000 $142,000 $37,000 $46,000
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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