Wolfe County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 185 mortgage applications in Wolfe County, KY totaling $10.6 million, up 2% from 2010. The average application was for $57,000, and applicants reported an average income of $44,000. 45% of applications resulted in an originated loan and 36% were denied. The most active lender was Whitaker Bank Inc, with 64 applications, followed by 21st Mortgage and Peoples Exchange 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 | 185 |
| Total Mortgage Loan Application Amount | $10,630,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $242,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $212,000 |
| 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 |
* | $ 1,587,678,000 | 64 | $ 1,554,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 26 | $ 1,082,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 318,387,000 | 11 | $ 848,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 9 | $ 614,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 7 | $ 611,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,147,152,000 | 5 | $ 448,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,063,725,000 | 3 | $ 189,000 |
| Citizens Bank of Northern Ky 103 CHURCHILL DRIVE NEWPORT, KY 41071 |
* | $ 249,920,000 | 3 | $ 395,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 3 | $ 391,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 408,000 |
| Westfield Bank, FSB 255 EAST 5TH ST CINCINNATI, OH 45202 |
* | $ 540,392,000 | 3 | $ 84,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 577,869,000 | 3 | $ 59,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 3 | $ 174,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 3 | $ 109,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 2 | $ 280,000 |
| Fifth Third Bank 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 108,668,289,000 | 2 | $ 260,000 |
| US Bk NA Nd 4325 17TH AVENUE, S.W. FARGO, ND 58103 |
* | $ 5,955,059,000 | 2 | $ 90,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 2 | $ 225,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 224,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 152,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 44,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 42,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 1 | $ 140,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 1 | $ 85,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 1 | $ 58,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 178,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 35,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 1 | $ 100,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 1 | $ 113,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 1 | $ 58,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 1,640,565,000 | 1 | $ 67,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 1 | $ 40,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 1 | $ 124,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 1 | $ 33,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ 57,509,481,000 | 1 | $ 75,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 1 | $ 87,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 1,891,557,000 | 1 | $ 56,000 |
| Legence Bank P.O. BOX 569 ELDORADO, IL 62930 |
* | $ 178,662,000 | 1 | $ 46,000 |
| Devon Bank 6445 N WESTERN AVENUE CHICAGO, IL 60645 |
* | $ 287,120,000 | 1 | $ 46,000 |
| First Federal Savings Bank 2323 RING ROAD ELIZABETHTOWN, KY 42701 |
* | $ 1,319,293,000 | 1 | $ 98,000 |
| Park Community Credit Union 6101 FERN VALLEY ROAD LOUISVILLE, KY 40228 |
* | $ 464,723,000 | 1 | $ 122,000 |
| Members Heritage FCU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 295,043,000 | 1 | $ 5,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 880,217,000 | 1 | $ 102,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 242,000 |
| Citizens Union Bank of Shelbyville 1854 MIDLAND TRAIL, P. O. BOX 189 SHELBYVILLE, KY 40065 |
* | $ 628,498,000 | 1 | $ 116,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 130,979,000 | 1 | $ 183,000 |
The tables below break down 2011 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 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 73 | $4,112,000 | $56,000 | $197,000 | $34,000 | $152,000 |
| Refinancing | 67 | $5,750,000 | $85,000 | $242,000 | $58,000 | $212,000 |
| Home Improvement | 45 | $768,000 | $17,000 | $140,000 | $38,000 | $135,000 |
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 | 165 | $8,818,000 | $53,000 | $242,000 | $46,000 | $212,000 |
| Not Provided | 10 | $878,000 | $87,000 | $140,000 | $43,000 | $108,000 |
| Not applicable | 8 | $859,000 | $107,000 | $151,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $35,000 | $35,000 | $35,000 | $51,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $40,000 | $40,000 | $40,000 | $78,000 | $78,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 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) | 162 | $8,446,000 | $52,000 | $200,000 | $46,000 | $212,000 |
| FHA-insured (Federal Housing Administration) | 13 | $973,000 | $74,000 | $140,000 | $24,000 | $55,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,087,000 | $120,000 | $242,000 | $36,000 | $86,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $124,000 | $124,000 | $124,000 | $48,000 | $48,000 |
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 | 84 | $3,908,000 | $46,000 | $183,000 | $49,000 | $152,000 |
| Application Denied By Financial Institution | 67 | $4,216,000 | $62,000 | $242,000 | $40,000 | $212,000 |
| Application Approved But Not Accepted | 14 | $784,000 | $56,000 | $165,000 | $56,000 | $148,000 |
| Application Withdrawn By Applicant | 9 | $596,000 | $66,000 | $139,000 | $36,000 | $65,000 |
| Loan Purchased By The Institution | 9 | $864,000 | $96,000 | $151,000 | $7,000 | $40,000 |
| File Closed For Incompleteness | 2 | $262,000 | $131,000 | $152,000 | $79,000 | $100,000 |
| 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 | 15 | $693,000 | $46,000 | $98,000 | $33,000 | $61,000 |
| Collateral | 11 | $1,381,000 | $125,000 | $242,000 | $75,000 | $211,000 |
| Debt-To-Income Ratio | 6 | $247,000 | $41,000 | $58,000 | $17,000 | $37,000 |
| Credit Application Incomplete | 1 | $60,000 | $60,000 | $60,000 | $11,000 | $11,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $40,000 | $40,000 | $40,000 | $78,000 | $78,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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