Wolfe County, KY Mortgage Lenders & HMDA Data, 2009
In 2009, lenders reported 218 mortgage applications in Wolfe County, KY totaling $14.0 million, down 19% from 2008. The average application was for $64,000, and applicants reported an average income of $53,000. 44% of applications resulted in an originated loan and 37% were denied. The most active lender was Whitaker Bank Inc, with 101 applications, followed by Peoples Exchange Bank and Embrace Home Loans, Inc..
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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 | 218 |
| Total Mortgage Loan Application Amount | $13,952,000 |
| Average Mortgage Loan Application Amount | $64,000 |
| Highest Mortgage Loan Application Amount | $510,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $384,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,398,452,000 | 101 | $ 2,989,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 272,520,000 | 13 | $ 656,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 11 | $ 1,131,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 573,031,000 | 11 | $ 404,000 |
| Bank of America, N.A. 4500 PARK GRANADA CALABASAS, CA 91302 |
* | $ 1,471,631,047,000 | 8 | $ 870,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 6 | $ 736,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,938,470,000,000 | 6 | $ 228,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 2,942,745,000 | 5 | $ 738,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,746,242,000,000 | 5 | $ 710,000 |
| US Bank, N.A. 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 261,775,591,000 | 4 | $ 659,000 |
| Wells Fargo Bank, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042 DES MOINES, IA 50328 |
* | $ 538,958,000,000 | 3 | $ 307,000 |
| Countrywide Bank FSB 30930 RUSSELL RANCH ROAD MS CA6-916-02-0 WESTLAKE VILLAGE, CA 91362 |
* | $ 117,978,966,000 | 3 | $ 247,000 |
| Beneficial Company LLC 26525 NORTH RIVERWOODS BLVD. METTAWA, IL 60045 |
* | $ 4,017,643,000 | 3 | $ 245,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 3 | $ 367,000 |
| Everhome Mortgage Company 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 3,027,261,000 | 2 | $ 294,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 2 | $ 163,000 |
| Branch Banking and Trust Co 223 W NASH STREET WILSON, NC 27893 |
* | $ 147,483,646,000 | 2 | $ 244,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 833,513,000 | 2 | $ 186,000 |
| Central Bank, FSB 301 NORTH MAIN ST NICHOLASVILLE, KY 40356 |
* | $ 176,174,000 | 2 | $ 298,000 |
| Everbank 8100 NATIONS WAY JACKSONVILLE, FL 32256 |
* | $ 7,047,356,000 | 2 | $ 294,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 1,227,040,000,000 | 2 | $ 116,000 |
| Gmac Mortgage LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 2 | $ 63,000 |
| Mountain States Mortgage 1333 E 9400 S SANDY, UT 84093 |
* | $ 10,000,000 | 1 | $ 96,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 24,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 919,604,000 | 1 | $ 61,000 |
| Emprise Bank 257 N BROADWAY WICHITA, KS 67202 |
* | $ 1,258,434,000 | 1 | $ 90,000 |
| The Huntington National Bank 7575 HUNTINGTON PARK DR COLUMBUS, OH 43235 |
* | $ 53,586,626,000 | 1 | $ 28,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 32,584,979,000 | 1 | $ 113,000 |
| Liberty Savings Bank, FSB 2251 ROMBACH AVE. WILMINGTON, OH 45177 |
* | $ 1,519,961,000 | 1 | $ 81,000 |
| Flagstar Bank 5151 CORPORATE DR TROY, MI 48098 |
* | $ 14,157,838,000 | 1 | $ 117,000 |
| Citizens Guaranty Bank 457 EAST MAIN STREET; PO BOX 767 RICHMOND, KY 40476 |
* | $ 117,399,000 | 1 | $ 78,000 |
| US Bank North Dakota 777 EAST WISCONSIN AVE MILWAUKEE, WI 53202 |
* | $ 4,858,594,000 | 1 | $ 269,000 |
| Alliance Banking Company 695 BULLION BLVD WINCHESTER, KY 40391 |
* | $ 57,295,000 | 1 | $ 10,000 |
| Ally Bank F/K/A/ Gmac Bank 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 32,882,574,000 | 1 | $ 96,000 |
| Gateway Bank, FSB 2336 MERCED STREET SAN LEANDRO, CA 94577 |
* | $ 479,176,000 | 1 | $ 119,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 73,000 |
| Fifth Third Bank 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 69,459,606,000 | 1 | $ 67,000 |
| Taylor, Bean & Whitaker 315 NE 14TH STREET OCALA, FL 34470 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Select Mortgage Group Ltd 3040 PRESIDENTIAL DR FAIRBORN, OH 45324 |
* | $ 370,000 | 1 | $ 135,000 |
The tables below break down 2009 mortgage applications in Wolfe 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 Wolfe 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 | 101 | $8,834,000 | $87,000 | $269,000 | $56,000 | $331,000 |
| Home Improvement | 59 | $746,000 | $12,000 | $149,000 | $42,000 | $132,000 |
| Home Purchase | 58 | $4,372,000 | $75,000 | $510,000 | $58,000 | $384,000 |
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 | 203 | $12,270,000 | $60,000 | $510,000 | $50,000 | $384,000 |
| Not Provided | 9 | $1,183,000 | $131,000 | $217,000 | $128,000 | $331,000 |
| Not applicable | 5 | $475,000 | $95,000 | $144,000 | $23,000 | $65,000 |
| Hispanic | 1 | $24,000 | $24,000 | $24,000 | $16,000 | $16,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 188 | $10,624,000 | $56,000 | $510,000 | $54,000 | $384,000 |
| FHA-insured (Federal Housing Administration) | 26 | $2,943,000 | $113,000 | $156,000 | $45,000 | $120,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $163,000 | $81,000 | $88,000 | $38,000 | $39,000 |
| VA-guaranteed (Veterans Administration) | 2 | $222,000 | $111,000 | $113,000 | $66,000 | $78,000 |
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 | 96 | $5,603,000 | $58,000 | $510,000 | $58,000 | $384,000 |
| Application Denied By Financial Institution | 80 | $5,269,000 | $65,000 | $269,000 | $44,000 | $166,000 |
| Loan Purchased By The Institution | 20 | $1,408,000 | $70,000 | $217,000 | $52,000 | $331,000 |
| Application Withdrawn By Applicant | 15 | $1,246,000 | $83,000 | $180,000 | $67,000 | $275,000 |
| Application Approved But Not Accepted | 7 | $426,000 | $60,000 | $175,000 | $48,000 | $75,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 37 | $1,640,000 | $44,000 | $149,000 | $36,000 | $123,000 |
| Collateral | 8 | $749,000 | $93,000 | $269,000 | $75,000 | $166,000 |
| Debt-To-Income Ratio | 7 | $624,000 | $89,000 | $269,000 | $43,000 | $98,000 |
| Other | 1 | $48,000 | $48,000 | $48,000 | $61,000 | $61,000 |
| Unverifiable Information | 1 | $111,000 | $111,000 | $111,000 | $106,000 | $106,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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.
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