Whitley County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 1,205 mortgage applications in Whitley County, KY totaling $131.8 million, up 2% from 2012. The average application was for $109,000, and applicants reported an average income of $56,000. 46% of applications resulted in an originated loan and 29% were denied. The most active lender was Community Trust Bank, Inc., with 124 applications, followed by 21st Mortgage and Forcht Bank, N.A..
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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 | 1,205 |
| Total Mortgage Loan Application Amount | $131,815,000 |
| Average Mortgage Loan Application Amount | $109,000 |
| Highest Mortgage Loan Application Amount | $20,282,000 |
| Average Applicant Income | $56,000 |
| Highest Applicant Income | $637,000 |
* 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 |
* | $ 3,617,126,000 | 124 | $ 8,470,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 101 | $ 5,298,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 950,246,000 | 97 | $ 9,340,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 87 | $ 5,625,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 784,518,000 | 69 | $ 5,632,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 53 | $ 5,370,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 381,105,000 | 52 | $ 6,736,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 47 | $ 5,216,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 46 | $ 3,433,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 415,314,000 | 37 | $ 2,706,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 178,034,172,000 | 36 | $ 5,798,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 30 | $ 3,648,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,891,810,000 | 22 | $ 1,536,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 18 | $ 1,783,000 |
| Crescent Mortgage Company MORGANTOWN, WV 26505 |
* | $ 826,484,000 | 17 | $ 2,240,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 16 | $ 1,710,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,827,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 16 | $ 1,878,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 16 | $ 1,772,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,441,431,000 | 15 | $ 725,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 137,781,000 | 15 | $ 2,044,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 340,716,000 | 15 | $ 1,931,000 |
| Builtwell Bank 728 BROAD STREET CHATTANOOGA, TN 37402 |
* | $ 882,109,000 | 12 | $ 1,078,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 718,364,000 | 11 | $ 507,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 11 | $ 1,315,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 791,697,000 | 11 | $ 668,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ 40,394,000 | 11 | $ 986,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 780,088,000 | 9 | $ 1,269,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 14,069,057,000 | 7 | $ 1,035,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 120,420,787,000 | 6 | $ 366,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 6 | $ 291,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 6 | $ 425,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 6 | $ 439,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 6 | $ 740,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 667,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 5 | $ 681,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 5 | $ 1,006,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 5 | $ 793,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 5 | $ 539,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 119,444,656,000 | 4 | $ 169,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 4 | $ 325,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 52,436,123,000 | 3 | $ 143,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 55,954,625,000 | 3 | $ 214,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 3 | $ 258,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 273,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 3 | $ 283,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 3 | $ 366,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,247,622,000 | 3 | $ 272,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 18,212,833,000 | 3 | $ 268,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 3 | $ 350,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 460,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 3 | $ 43,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 136,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 2 | $ 220,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ 10,000,000 | 2 | $ 312,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 309,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 2 | $ 250,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 2 | $ 104,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 2 | $ 243,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ 10,000,000 | 2 | $ 196,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 2 | $ 115,000 |
| Firstar Bank, National Association PO BOX 308 ROLAND, OK 74954 |
* | $ 421,754,000 | 2 | $ 192,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 2 | $ 281,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,864,946,000 | 2 | $ 233,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 928,031,000 | 2 | $ 220,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 82,086,021,000 | 1 | $ 154,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 87,043,364,000 | 1 | $ 6,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 169,076,807,000 | 1 | $ 75,000 |
| Winfirst Bank 57 SOUTH MAIN STREET WINCHESTER, KY 40391 |
* | $ 164,035,000 | 1 | $ 100,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,946,864,000 | 1 | $ 130,000 |
| Crescom Bank 288 MEETING ST CHARLESTON, SC 29401 |
* | $ 887,890,000 | 1 | $ 72,000 |
| First Mariner Bank 3301 BOSTON STREET BALTIMORE, MD 21224 |
* | $ 1,376,094,000 | 1 | $ 196,000 |
| Apex Bank 102 E MAIN ST CAMDEN, TN 38320 |
* | $ 250,414,000 | 1 | $ 59,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ 1,242,890,000 | 1 | $ 80,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 700,841,000 | 1 | $ 230,000 |
| Platinum Home Mortgage Corporation 2200 HICKS RD, STE 101 SPRINGFIELD, IL 60008 |
* | $ 10,000,000 | 1 | $ 123,000 |
| Reverse Mortgage Solutions Inc 14405 WALTERS RD SUITE 200 HOUSTON, TX 77014 |
* | $ 10,978,000 | 1 | $ 20,282,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 152,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ 10,000,000 | 1 | $ 172,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 69,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 162,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ 10,000,000 | 1 | $ 79,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ 225,000,000 | 1 | $ 85,000 |
| 360 Mortgage Group, LLC 11305 FOUR POINTS DRIVE, BLDG 1, #200 AUSTIN, TX 78726 |
* | $ 10,000,000 | 1 | $ 196,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 142,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 94,795,926,000 | 1 | $ 91,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 104,823,994,000 | 1 | $ 10,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 186,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ 10,000,000 | 1 | $ 65,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 1 | $ 95,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 72,000 |
| First State Mortgage Services 502 N HERSHEY ROAD BLOOMINGTON, IL 61704 |
* | $ 327,995,000 | 1 | $ 77,000 |
| Residential Acceptance Corporation 5027 W LAUREL ST TAMPA, FL 33607 |
* | $ 10,000,000 | 1 | $ 128,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 254,000 |
The tables below break down 2013 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 2013
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 | 576 | $51,339,000 | $89,000 | $2,000,000 | $49,000 | $637,000 |
| Refinancing | 525 | $77,415,000 | $147,000 | $20,282,000 | $63,000 | $260,000 |
| Home Improvement | 104 | $3,061,000 | $29,000 | $171,000 | $57,000 | $521,000 |
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 | 1,077 | $98,787,000 | $91,000 | $2,000,000 | $59,000 | $637,000 |
| Not applicable | 59 | $26,087,000 | $442,000 | $20,282,000 | $7,000 | $83,000 |
| Not Provided | 52 | $5,268,000 | $101,000 | $308,000 | $53,000 | $146,000 |
| American Indian or Alaskan Native | 5 | $302,000 | $60,000 | $66,000 | $43,000 | $141,000 |
| Hispanic | 5 | $786,000 | $157,000 | $260,000 | $99,000 | $244,000 |
| Asian | 4 | $340,000 | $85,000 | $130,000 | $60,000 | $91,000 |
| Black or African American | 3 | $245,000 | $81,000 | $116,000 | $50,000 | $96,000 |
| 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) | 936 | $79,723,000 | $85,000 | $2,000,000 | $60,000 | $637,000 |
| FHA-insured (Federal Housing Administration) | 118 | $33,836,000 | $286,000 | $20,282,000 | $39,000 | $160,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 101 | $10,814,000 | $107,000 | $800,000 | $35,000 | $96,000 |
| VA-guaranteed (Veterans Administration) | 50 | $7,442,000 | $148,000 | $291,000 | $56,000 | $152,000 |
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 | 550 | $51,712,000 | $94,000 | $657,000 | $68,000 | $637,000 |
| Application Denied By Financial Institution | 354 | $31,135,000 | $87,000 | $2,000,000 | $46,000 | $246,000 |
| Loan Purchased By The Institution | 107 | $32,070,000 | $299,000 | $20,282,000 | $29,000 | $202,000 |
| Application Approved But Not Accepted | 93 | $6,953,000 | $74,000 | $359,000 | $43,000 | $174,000 |
| Application Withdrawn By Applicant | 90 | $8,797,000 | $97,000 | $359,000 | $66,000 | $275,000 |
| File Closed For Incompleteness | 11 | $1,148,000 | $104,000 | $215,000 | $88,000 | $207,000 |
| 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 | 96 | $9,377,000 | $97,000 | $2,000,000 | $50,000 | $246,000 |
| Debt-To-Income Ratio | 47 | $4,085,000 | $86,000 | $260,000 | $40,000 | $120,000 |
| Collateral | 26 | $2,646,000 | $101,000 | $263,000 | $64,000 | $216,000 |
| Credit Application Incomplete | 18 | $2,133,000 | $118,000 | $320,000 | $70,000 | $180,000 |
| Other | 8 | $563,000 | $70,000 | $105,000 | $68,000 | $230,000 |
| Unverifiable Information | 6 | $539,000 | $89,000 | $189,000 | $63,000 | $125,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $609,000 | $101,000 | $164,000 | $64,000 | $126,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $16,000 | $16,000 |
| 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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