Whitley County, KY Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 1,295 mortgage applications in Whitley County, KY totaling $114.9 million, down 4% from 2009. The average application was for $88,000, and applicants reported an average income of $52,000. 45% of applications resulted in an originated loan and 27% were denied. The most active lender was Community Trust Bank, Inc., with 194 applications, followed by Forcht Bank, N.A. and L&N Federal Credit Union.
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 | 1,295 |
| Total Mortgage Loan Application Amount | $114,866,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $814,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $720,000 |
* 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 |
|---|---|---|---|---|
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,072,308,000 | 194 | $ 11,534,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,104,173,000 | 180 | $ 14,167,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 607,497,000 | 107 | $ 10,847,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,627,684,000,000 | 55 | $ 5,390,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 50 | $ 2,066,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,465,221,449,000 | 48 | $ 6,027,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 421,792,000 | 45 | $ 3,499,000 |
| Vanderbilt Mortgage 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 44 | $ 2,534,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 43 | $ 3,842,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 404,404,000 | 41 | $ 3,104,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 159,675,538,000 | 35 | $ 3,921,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 125,649,000 | 26 | $ 2,809,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 55,302,902,000 | 26 | $ 2,923,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 25 | $ 1,547,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 24 | $ 2,704,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 219,708,000 | 24 | $ 2,758,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 260,309,849,000 | 23 | $ 2,256,000 |
| Wells Fargo Bank, NA 100 N MAIN STREET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 608,778,000,000 | 23 | $ 2,530,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 20 | $ 2,965,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 276,376,130,000 | 19 | $ 921,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,515,311,000 | 15 | $ 1,394,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 349,760,000 | 14 | $ 768,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 475,815,000 | 12 | $ 391,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 783,404,000 | 10 | $ 616,000 |
| Allied Home Mortgage Corp. 6110 PINEMONT DR., STE. 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 10 | $ 1,475,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,483,100,000 | 9 | $ 1,294,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 9 | $ 1,056,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 9 | $ 1,710,000 |
| Tmg Real Estate & Financial 310 W. LIBERTY ST. STE 100 LOUISVILLE, KY 40202 |
* | $ 292,000 | 8 | $ 1,073,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 7 | $ 501,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 639,843,000 | 7 | $ 290,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 37,922,355,000 | 6 | $ 462,000 |
| Citimortgage, Inc 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,019,497,000,000 | 6 | $ 721,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 112,736,105,000 | 5 | $ 468,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 5 | $ 685,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 5 | $ 617,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 751,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 4 | $ 492,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 5,122,657,000 | 4 | $ 223,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 4 | $ 474,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 3 | $ 459,000 |
| Shore Mortgage 770 S. ADAMS ROAD #300 BIRMINGHAM, MI 48009 |
* | $ 10,000,000 | 3 | $ 377,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 3 | $ 224,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 881,251,000 | 3 | $ 435,000 |
| Regions Bank 1900 5TH AVENUE N - ALBH10903B BIRMINGHAM, AL 35203 |
* | $ 138,006,763,000 | 2 | $ 238,000 |
| Citizens Commerce Bank 534 MARSAILLES ROAD VERSAILLES, KY 40383 |
* | $ 344,779,000 | 2 | $ 437,000 |
| Ing Bank, FSB 1 SOUTH ORANGE STREET WILMINGTON, DE 19801 |
* | $ 90,293,933,000 | 2 | $ 32,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 51,111,245,000 | 2 | $ 215,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 313,635,000 | 2 | $ 193,000 |
| Ark-La-Tex Financial Services 5160 TENNYSON PKWY, SUITE 2000W PLANO, TX 75024 |
* | $ 10,000,000 | 2 | $ 621,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 139,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 2 | $ 483,000 |
| Primary Residential Mortgage 4750 W WILEY POST WAY SUITE 200 SALT LAKE CITY, UT 84116 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Roundpoint Mortgage Company 5032 PARKWAY PLAZA BLVD, STE 200 CHARLOTTE, NC 28278 |
* | $ 10,000,000 | 2 | $ 172,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 375,000 |
| Freedom Mortgage Corp. 10500 KINCAID DR. STE. 300 FISHERS, IN 46037 |
* | $ 10,000,000 | 2 | $ 242,000 |
| Cimarron Mortgage Company 6311 RIDGEWOOD RD, SUITE 400W JACKSON, MS 39211 |
* | $ 10,000,000 | 2 | $ 405,000 |
| Franklin American Mortgage Co 501 CORPORATE CENTRE DRIVE, SUITE 400 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 187,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 113,000 |
| Birmingham Bancorp Mortgage 6230 ORCHARD LAKE ROAD WEST BLOOMFIELD, MI 48322 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Affiliated Mortgage Company 1301 HUDSON LANE MONROE, LA 71201 |
* | $ 212,423,000 | 1 | $ 128,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 86,000 |
| First Rate Mortgage 10400 LINN STATION RD LOUISVILLE, KY 40223 |
* | $ 102,272,000 | 1 | $ 136,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 1 | $ 30,000 |
| Amerifirst Financial Corporati 616 WEST CENTRE AVENUE PORTAGE, MI 49024 |
* | $ 10,000,000 | 1 | $ 97,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 67,000 |
| Acopia, LLC 306 NORTHCREEK BOULEVARD SUITE 100 GOODLETTSVILLE, TN 37072 |
* | $ 100,000,000 | 1 | $ 116,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Plaza Home Mortgage, Inc 5090 SHOREHAM PLACE, SUITE #206 SAN DIEGO, CA 92122 |
* | $ 10,000,000 | 1 | $ 88,000 |
| Home Loan Center 163 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 10,000,000 | 1 | $ 94,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 82,000 |
| Republic State Mortgage Co. 2715 BISSONNET, SUITE 102 HOUSTON, TX 77005 |
* | $ 10,000,000 | 1 | $ 88,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 1 | $ 105,000 |
| Suntrust Mortgage, Inc 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ 164,340,844,000 | 1 | $ 128,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 1,140,194,000 | 1 | $ 56,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 54,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 1 | $ 313,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 39,610,194,000 | 1 | $ 45,000 |
| Y-12 Federal Credit Union 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ 524,857,000 | 1 | $ 6,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,011,062,000 | 1 | $ 53,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 581,565,000 | 1 | $ 27,000 |
| Admirals Bank Former Domestic 815 RESERVOIR AVE CRANSTON, RI 02910 |
* | $ 234,124,000 | 1 | $ 8,000 |
| Woodforest Bank, FSB 25231 GROGANS MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 85,854,000 | 1 | $ 10,000 |
| Community First Bank 3725 OLD COURT ROAD BALTIMORE, MD 21208 |
* | $ 57,149,000 | 1 | $ 277,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,867,638,000 | 1 | $ 38,000 |
| McHenry Savings Bank 353 BANK DRIVE MCHENRY, IL 60050 |
* | $ 278,922,000 | 1 | $ 72,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 276,676,000 | 1 | $ 84,000 |
| Kentucky Telco CU 3740 BARDSTOWN RD LOUISVILLE, KY 40218 |
* | $ 262,383,000 | 1 | $ 173,000 |
| Independence Bank 13100 NORTHWEST FREEWAY SUITE 100 HOUSTON, TX 77040 |
* | $ 149,708,000 | 1 | $ 88,000 |
| First Florida Bank 125 MAIN STREET DESTIN, FL 32541 |
* | $ 99,514,000 | 1 | $ 600,000 |
The tables below break down 2010 mortgage applications in Whitley 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 Whitley County, KY in 2010
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 | 695 | $75,409,000 | $108,000 | $600,000 | $57,000 | $427,000 |
| Home Purchase | 455 | $36,194,000 | $79,000 | $814,000 | $47,000 | $720,000 |
| Home Improvement | 145 | $3,263,000 | $22,000 | $260,000 | $43,000 | $254,000 |
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 | 1,152 | $100,694,000 | $87,000 | $814,000 | $55,000 | $720,000 |
| Not applicable | 65 | $6,945,000 | $106,000 | $277,000 | $1,000 | $59,000 |
| Not Provided | 56 | $5,449,000 | $97,000 | $293,000 | $42,000 | $163,000 |
| American Indian or Alaskan Native | 9 | $657,000 | $73,000 | $160,000 | $105,000 | $340,000 |
| Asian | 5 | $330,000 | $66,000 | $110,000 | $37,000 | $100,000 |
| Hispanic | 5 | $387,000 | $77,000 | $249,000 | $81,000 | $124,000 |
| Black or African American | 3 | $404,000 | $134,000 | $156,000 | $71,000 | $94,000 |
| 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) | 1,001 | $83,368,000 | $83,000 | $814,000 | $55,000 | $427,000 |
| FHA-insured (Federal Housing Administration) | 230 | $24,878,000 | $108,000 | $277,000 | $44,000 | $720,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $5,415,000 | $98,000 | $166,000 | $40,000 | $77,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,205,000 | $133,000 | $246,000 | $32,000 | $84,000 |
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 | 586 | $50,477,000 | $86,000 | $814,000 | $61,000 | $427,000 |
| Application Denied By Financial Institution | 348 | $25,591,000 | $73,000 | $525,000 | $45,000 | $720,000 |
| Loan Purchased By The Institution | 153 | $17,427,000 | $113,000 | $321,000 | $31,000 | $231,000 |
| Application Withdrawn By Applicant | 111 | $11,793,000 | $106,000 | $338,000 | $53,000 | $223,000 |
| Application Approved But Not Accepted | 76 | $6,761,000 | $88,000 | $600,000 | $54,000 | $340,000 |
| File Closed For Incompleteness | 21 | $2,817,000 | $134,000 | $293,000 | $57,000 | $200,000 |
| 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 | 125 | $6,390,000 | $51,000 | $258,000 | $47,000 | $720,000 |
| Debt-To-Income Ratio | 48 | $4,105,000 | $85,000 | $388,000 | $34,000 | $96,000 |
| Collateral | 44 | $4,922,000 | $111,000 | $525,000 | $65,000 | $364,000 |
| Credit Application Incomplete | 13 | $1,218,000 | $93,000 | $172,000 | $69,000 | $250,000 |
| Other | 12 | $1,183,000 | $98,000 | $315,000 | $38,000 | $96,000 |
| Employment History | 4 | $202,000 | $50,000 | $112,000 | $45,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $330,000 | $110,000 | $169,000 | $63,000 | $126,000 |
| Mortgage Insurance Denied | 2 | $276,000 | $138,000 | $200,000 | $73,000 | $76,000 |
| Unverifiable Information | 1 | $38,000 | $38,000 | $38,000 | $38,000 | $38,000 |
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