Webster County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 558 mortgage applications in Webster County, KY totaling $34.3 million, up 33% from 2010. The average application was for $61,000, and applicants reported an average income of $49,000. 37% of applications resulted in an originated loan and 19% were denied. The most active lender was Old National Bank, with 175 applications, followed by Independence Bank of Kentucky and Dixon Bank.
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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 | 558 |
| Total Mortgage Loan Application Amount | $34,293,000 |
| Average Mortgage Loan Application Amount | $61,000 |
| Highest Mortgage Loan Application Amount | $255,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $1,076,000 |
* 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 |
|---|---|---|---|---|
| Old National Bank 1 MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,121,605,000 | 175 | $ 5,413,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 990,285,000 | 129 | $ 9,018,000 |
| Dixon Bank PO BOX 67 DIXON, KY 42409 |
* | $ 77,566,000 | 31 | $ 1,716,000 |
| United Cmnty Bk of West Ky Inc 500 N MORGAN STREET, P O BOX 209 MORGANFIELD, KY 42437 |
* | $ 154,313,000 | 29 | $ 1,709,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 22 | $ 1,925,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 19 | $ 1,238,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 15 | $ 1,129,000 |
| Integra Bank PO BOX 868 EVANSVILLE, IN 47705 |
* | $ 2,416,159,000 | 15 | $ 932,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 11 | $ 890,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 8 | $ 205,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 5 | $ 626,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 5 | $ 569,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 5 | $ 386,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 5 | $ 598,000 |
| First Federal Bank 2452 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 137,130,000 | 4 | $ 375,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 4 | $ 403,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 4 | $ 308,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 3 | $ 316,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 257,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 3 | $ 247,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 3 | $ 286,000 |
| Field & Main Bank 140 N. MAIN ST. HENDERSON, KY 42420 |
* | $ 247,754,000 | 3 | $ 276,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 335,824,000 | 3 | $ 129,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 3 | $ 285,000 |
| Heritage Federal Credit Union PO BOX 189 NEWBURGH, IN 47629 |
* | $ 377,253,000 | 3 | $ 50,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 2 | $ 211,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 540,392,000 | 2 | $ 161,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 2 | $ 164,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 280,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 2 | $ 241,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 133,000 |
| Kirkston Mortgage Lending 501 CROSS POINTE BLVD EVANSVILLE, IN 47715 |
* | $ 10,000,000 | 2 | $ 116,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 1 | $ 87,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 1 | $ 203,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 61,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 155,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 577,869,000 | 1 | $ 74,000 |
| R.H. Lending, Inc. 6209 COLLEYVILLE BLVD. COLLEYVILLE, TX 76034 |
* | $ 10,000,000 | 1 | $ 124,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ 10,000,000 | 1 | $ 91,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 125,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 103,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 103,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 1 | $ 45,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 39,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 1 | $ 210,000 |
| Carnegie Mortgage 2297 STATE HIGHWAY 33 HAMILTON SQUARE, NJ 08690 |
* | $ 193,976,000 | 1 | $ 87,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 53,000 |
| Foundation Bank 25 GARFIELD PLACE CINCINNATI, OH 45202 |
* | $ 180,327,000 | 1 | $ 191,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 1 | $ 37,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 880,217,000 | 1 | $ 120,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 22,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 794,165,000 | 1 | $ 73,000 |
| Owensboro 717 HARVARD DRIVE OWENSBORO, KY 42301 |
* | $ 49,506,000 | 1 | $ 38,000 |
| Evansville Federal Credit Unio PO BOX 651, 6209 VOGEL RD EVANSVILLE, IN 47704 |
* | $ 49,985,000 | 1 | $ 104,000 |
The tables below break down 2011 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 2011
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 | 280 | $19,769,000 | $70,000 | $255,000 | $50,000 | $624,000 |
| Home Purchase | 211 | $13,144,000 | $62,000 | $229,000 | $49,000 | $772,000 |
| Home Improvement | 67 | $1,380,000 | $20,000 | $100,000 | $47,000 | $1,076,000 |
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 | 366 | $26,878,000 | $73,000 | $255,000 | $70,000 | $1,076,000 |
| Not applicable | 162 | $5,348,000 | $33,000 | $137,000 | $1,000 | $115,000 |
| Not Provided | 19 | $1,483,000 | $78,000 | $155,000 | $66,000 | $114,000 |
| Black or African American | 5 | $119,000 | $23,000 | $63,000 | $43,000 | $87,000 |
| Hispanic | 4 | $331,000 | $82,000 | $203,000 | $44,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $105,000 | $105,000 | $105,000 | $74,000 | $74,000 |
| American Indian or Alaskan Native | 1 | $29,000 | $29,000 | $29,000 | $11,000 | $11,000 |
| Asian | 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) | 478 | $26,896,000 | $56,000 | $255,000 | $49,000 | $1,076,000 |
| FHA-insured (Federal Housing Administration) | 62 | $5,534,000 | $89,000 | $240,000 | $54,000 | $624,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $994,000 | $99,000 | $205,000 | $47,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 8 | $869,000 | $108,000 | $203,000 | $34,000 | $64,000 |
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 | 205 | $15,077,000 | $73,000 | $230,000 | $78,000 | $1,076,000 |
| Loan Purchased By The Institution | 169 | $6,146,000 | $36,000 | $188,000 | $3,000 | $115,000 |
| Application Denied By Financial Institution | 105 | $6,648,000 | $63,000 | $240,000 | $49,000 | $161,000 |
| Application Withdrawn By Applicant | 46 | $3,893,000 | $84,000 | $228,000 | $77,000 | $624,000 |
| Application Approved But Not Accepted | 25 | $1,681,000 | $67,000 | $155,000 | $68,000 | $243,000 |
| File Closed For Incompleteness | 8 | $848,000 | $106,000 | $255,000 | $57,000 | $210,000 |
| 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 | 46 | $2,501,000 | $54,000 | $203,000 | $50,000 | $161,000 |
| Debt-To-Income Ratio | 18 | $1,176,000 | $65,000 | $185,000 | $48,000 | $100,000 |
| Collateral | 11 | $718,000 | $65,000 | $210,000 | $48,000 | $90,000 |
| Other | 6 | $274,000 | $45,000 | $100,000 | $45,000 | $106,000 |
| Unverifiable Information | 2 | $211,000 | $105,000 | $125,000 | $61,000 | $64,000 |
| Employment History | 2 | $147,000 | $73,000 | $86,000 | $55,000 | $84,000 |
| Credit Application Incomplete | 1 | $18,000 | $18,000 | $18,000 | $81,000 | $81,000 |
| 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.
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