Webster County, KY Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 268 mortgage applications in Webster County, KY totaling $22.9 million, down 35% from 2013. The average application was for $85,000, and applicants reported an average income of $55,000. 51% of applications resulted in an originated loan and 28% were denied. The most active lender was Independence Bank of Kentucky, with 69 applications, followed by 21st Mortgage 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 | 268 |
| Total Mortgage Loan Application Amount | $22,948,000 |
| Average Mortgage Loan Application Amount | $85,000 |
| Highest Mortgage Loan Application Amount | $333,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $288,000 |
* 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 |
* | $ 1,381,024,000 | 69 | $ 6,053,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 16 | $ 916,000 |
| Dixon Bank PO BOX 67 DIXON, KY 42409 |
* | $ 86,026,000 | 16 | $ 879,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,373,600,000,000 | 13 | $ 1,274,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 7,873,796,000 | 13 | $ 633,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 11 | $ 786,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 360,478,278,000 | 11 | $ 977,000 |
| Planters Bank, Inc. 1312 SOUTH MAIN ST HOPKINSVILLE, KY 42240 |
* | $ 783,821,000 | 10 | $ 731,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 9 | $ 813,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 8 | $ 793,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,945,467,000,000 | 5 | $ 355,000 |
| Field & Main Bank 140 N. MAIN ST. HENDERSON, KY 42420 |
* | $ 258,664,000 | 5 | $ 600,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 5 | $ 373,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 678,563,000 | 5 | $ 256,000 |
| Liberty Federal Credit Union 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 920,846,000 | 4 | $ 485,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 127,428,329,000 | 4 | $ 353,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,763,439,000 | 4 | $ 209,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 3 | $ 406,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 3 | $ 348,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 2 | $ 108,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 352,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 2 | $ 558,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 390,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 305,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ 10,000,000 | 2 | $ 130,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ 10,000,000 | 2 | $ 162,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 2 | $ 149,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 179,126,294,000 | 2 | $ 233,000 |
| Banktrust Financial 208 N MAIN ST HENDERSON, KY 42420 |
* | $ 133,467,000 | 2 | $ 324,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ 2,915,000 | 2 | $ 157,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 309,999,678,000 | 1 | $ 10,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 61,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 830,298,000 | 1 | $ 88,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 1 | $ 33,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 180,000 |
| Owensboro 717 HARVARD DRIVE OWENSBORO, KY 42301 |
* | $ 53,730,000 | 1 | $ 69,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 116,608,550,000 | 1 | $ 86,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 91,000 |
| CU Channels 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 505,929,000 | 1 | $ 123,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 78,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,433,716,000,000 | 1 | $ 186,000 |
| Discover Home Loans, Inc 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 79,339,664,000 | 1 | $ 215,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 1 | $ 29,000 |
| United Southern Bank PO BOX 951 HOPKINSVILLE, KY 42240 |
* | $ 250,669,000 | 1 | $ 16,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 131,000 |
| Hancock Bank & Trust Company 220 MAIN STREET HAWESVILLE, KY 42348 |
* | $ 297,664,000 | 1 | $ 41,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 129,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 140,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 62,866,954,000 | 1 | $ 97,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 127,428,329,000 | 1 | $ 109,000 |
| Alliance Financial Resources 5410 EAST HIGH STREET SUITE 200 PHOENIX, AZ 85054 |
* | $ 10,000,000 | 1 | $ 51,000 |
The tables below break down 2014 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 2014
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 | 142 | $13,074,000 | $92,000 | $333,000 | $49,000 | $126,000 |
| Refinancing | 90 | $8,793,000 | $97,000 | $276,000 | $66,000 | $288,000 |
| Home Improvement | 36 | $1,081,000 | $30,000 | $211,000 | $55,000 | $117,000 |
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 | 228 | $19,681,000 | $86,000 | $333,000 | $59,000 | $288,000 |
| Not Provided | 13 | $1,235,000 | $95,000 | $290,000 | $51,000 | $118,000 |
| Not applicable | 11 | $810,000 | $73,000 | $128,000 | $0 | $0 |
| Hispanic | 10 | $555,000 | $55,000 | $131,000 | $51,000 | $117,000 |
| American Indian or Alaskan Native | 2 | $305,000 | $152,000 | $154,000 | $49,000 | $49,000 |
| Black or African American | 2 | $91,000 | $45,000 | $76,000 | $29,000 | $38,000 |
| Asian | 1 | $123,000 | $123,000 | $123,000 | $52,000 | $52,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $148,000 | $148,000 | $148,000 | $84,000 | $84,000 |
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) | 196 | $15,954,000 | $81,000 | $333,000 | $60,000 | $288,000 |
| FHA-insured (Federal Housing Administration) | 33 | $3,275,000 | $99,000 | $255,000 | $52,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,005,000 | $83,000 | $144,000 | $31,000 | $61,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,714,000 | $114,000 | $186,000 | $41,000 | $71,000 |
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 | 137 | $12,124,000 | $88,000 | $290,000 | $66,000 | $288,000 |
| Application Denied By Financial Institution | 74 | $5,706,000 | $77,000 | $333,000 | $46,000 | $161,000 |
| Application Withdrawn By Applicant | 20 | $1,952,000 | $97,000 | $225,000 | $50,000 | $117,000 |
| Loan Purchased By The Institution | 18 | $1,532,000 | $85,000 | $144,000 | $19,000 | $61,000 |
| Application Approved But Not Accepted | 15 | $1,097,000 | $73,000 | $211,000 | $51,000 | $100,000 |
| File Closed For Incompleteness | 4 | $537,000 | $134,000 | $180,000 | $72,000 | $110,000 |
| 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 | 21 | $1,396,000 | $66,000 | $260,000 | $52,000 | $161,000 |
| Debt-To-Income Ratio | 5 | $379,000 | $75,000 | $186,000 | $36,000 | $69,000 |
| Other | 4 | $92,000 | $23,000 | $47,000 | $54,000 | $112,000 |
| Collateral | 2 | $186,000 | $93,000 | $100,000 | $58,000 | $65,000 |
| Credit Application Incomplete | 2 | $78,000 | $39,000 | $61,000 | $88,000 | $105,000 |
| Unverifiable Information | 1 | $81,000 | $81,000 | $81,000 | $71,000 | $71,000 |
| Employment History | 1 | $37,000 | $37,000 | $37,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $166,000 | $166,000 | $166,000 | $63,000 | $63,000 |
| 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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