Webster County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 505 mortgage applications in Webster County, KY totaling $35.6 million, down 8% from 2008. The average application was for $70,000, and applicants reported an average income of $63,000. 51% of applications resulted in an originated loan and 24% were denied. The most active lender was Independence Bank of Kentucky, with 112 applications, followed by Integra Bank and Dixon Bank.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Kentucky.
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 | 505 |
| Total Mortgage Loan Application Amount | $35,619,000 |
| Average Mortgage Loan Application Amount | $70,000 |
| Highest Mortgage Loan Application Amount | $644,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $2,846,000 |
* 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 |
|---|---|---|---|---|
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 796,906,000 | 112 | $ 8,050,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 3,348,776,000 | 64 | $ 3,490,000 |
| Dixon Bank PO BOX 67 DIXON, KY 42409 |
* | $ 65,373,000 | 48 | $ 1,563,000 |
| United Cmnty Bk of West Ky Inc 500 N MORGAN STREET, P O BOX 209 MORGANFIELD, KY 42437 |
* | $ 121,328,000 | 45 | $ 2,414,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 29 | $ 3,265,000 |
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,712,867,000 | 17 | $ 980,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 16 | $ 1,085,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 15 | $ 1,603,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 14 | $ 903,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 14 | $ 1,345,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 10 | $ 353,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 10 | $ 958,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 8 | $ 592,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 7 | $ 384,000 |
| Field & Main Bank 140 N. MAIN ST. HENDERSON, KY 42420 |
* | $ 221,969,000 | 6 | $ 701,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 300,361,000 | 6 | $ 447,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 5 | $ 433,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 5 | $ 369,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 5 | $ 356,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 5 | $ 225,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 5 | $ 570,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 5 | $ 419,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 4 | $ 402,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 137,626,000 | 4 | $ 279,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,677,931,000 | 3 | $ 166,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 3 | $ 85,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 3 | $ 216,000 |
| United Southern Bank PO BOX 951 HOPKINSVILLE, KY 42240 |
* | $ 202,658,000 | 2 | $ 768,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 2 | $ 86,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 2 | $ 168,000 |
| The Elberfeld State Bank 55 MAIN ELBERFELD, IN 47613 |
* | $ 53,565,000 | 2 | $ 219,000 |
| Capital One NA 11130 INDUSTRIALPLEX BLVD BATON ROUGE, LA 70809 |
* | $ 115,142,306,000 | 2 | $ 36,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 2 | $ 304,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 2 | $ 283,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 2 | $ 268,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 77,000 |
| Southwest Funding LP 13150 COIT ROAD STE 100 DALLAS, TX 75240 |
* | $ 10,000,000 | 1 | $ 93,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 1 | $ 97,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 1 | $ 51,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 1 | $ 73,000 |
| Ranlife, Inc. 9272 S. 700 E. SANDY, UT 84070 |
* | $ 303,000 | 1 | $ 211,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 140,000 |
| First Financial Bank 214 N WASHINGTON STREET EL DORADO, AR 71730 |
* | $ 601,167,000 | 1 | $ 42,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 1 | $ 187,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 50,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 1 | $ 187,000 |
| World Alliance Financial Corp. 3 HUNTINGTON QUADRANGLE SUITE 201N MELVILLE, NY 11747 |
* | $ 389,397,000 | 1 | $ 25,000 |
| Reunion Mortgage, Inc 860 HILLVIEW COURT #300 MILPITAS, CA 95035 |
* | $ 10,000,000 | 1 | $ 143,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 1,959,803,000 | 1 | $ 29,000 |
| South Central Bank of Daviess 300 SOUTHTOWN BLVD OWENSBORO, KY 42303 |
* | $ 190,479,000 | 1 | $ 9,000 |
The tables below break down 2009 mortgage applications in Webster 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 Webster 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 | 282 | $24,266,000 | $86,000 | $644,000 | $73,000 | $2,846,000 |
| Home Purchase | 163 | $9,867,000 | $60,000 | $225,000 | $45,000 | $142,000 |
| Home Improvement | 60 | $1,486,000 | $24,000 | $387,000 | $63,000 | $290,000 |
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 | 408 | $28,158,000 | $69,000 | $417,000 | $57,000 | $290,000 |
| Not applicable | 44 | $3,630,000 | $82,000 | $644,000 | $137,000 | $2,846,000 |
| Not Provided | 28 | $2,562,000 | $91,000 | $209,000 | $54,000 | $124,000 |
| Black or African American | 14 | $565,000 | $40,000 | $72,000 | $44,000 | $83,000 |
| Hispanic | 10 | $697,000 | $69,000 | $175,000 | $40,000 | $67,000 |
| American Indian or Alaskan Native | 1 | $7,000 | $7,000 | $7,000 | $32,000 | $32,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 408 | $27,009,000 | $66,000 | $644,000 | $69,000 | $2,846,000 |
| FHA-insured (Federal Housing Administration) | 78 | $7,226,000 | $92,000 | $275,000 | $41,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 13 | $917,000 | $70,000 | $97,000 | $24,000 | $69,000 |
| VA-guaranteed (Veterans Administration) | 6 | $467,000 | $77,000 | $203,000 | $18,000 | $42,000 |
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 | 260 | $17,516,000 | $67,000 | $644,000 | $82,000 | $2,846,000 |
| Application Denied By Financial Institution | 119 | $7,893,000 | $66,000 | $417,000 | $45,000 | $230,000 |
| Loan Purchased By The Institution | 55 | $4,079,000 | $74,000 | $143,000 | $16,000 | $113,000 |
| Application Withdrawn By Applicant | 43 | $3,773,000 | $87,000 | $392,000 | $56,000 | $140,000 |
| Application Approved But Not Accepted | 19 | $1,456,000 | $76,000 | $212,000 | $66,000 | $135,000 |
| File Closed For Incompleteness | 9 | $902,000 | $100,000 | $175,000 | $62,000 | $91,000 |
| 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 | 33 | $1,330,000 | $40,000 | $211,000 | $43,000 | $119,000 |
| Collateral | 32 | $2,194,000 | $68,000 | $209,000 | $47,000 | $143,000 |
| Debt-To-Income Ratio | 13 | $709,000 | $54,000 | $119,000 | $29,000 | $58,000 |
| Employment History | 5 | $372,000 | $74,000 | $118,000 | $37,000 | $57,000 |
| Other | 3 | $432,000 | $144,000 | $187,000 | $64,000 | $70,000 |
| Credit Application Incomplete | 1 | $94,000 | $94,000 | $94,000 | $69,000 | $69,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About