Wolfe County, KY Mortgage Lenders & HMDA Data, 2013
In 2013, lenders reported 233 mortgage applications in Wolfe County, KY totaling $13.2 million, up 6% from 2012. The average application was for $56,000, and applicants reported an average income of $54,000. 45% of applications resulted in an originated loan and 31% were denied. The most active lender was Whitaker Bank Inc, with 101 applications, followed by Vanderbilt Mortgage and Finance, Inc and 21st Mortgage.
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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 | 233 |
| Total Mortgage Loan Application Amount | $13,235,000 |
| Average Mortgage Loan Application Amount | $56,000 |
| Highest Mortgage Loan Application Amount | $210,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $1,576,000 |
| 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 |
* | $ 1,441,431,000 | 101 | $ 2,824,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 29 | $ 1,663,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 18 | $ 814,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 345,088,616,000 | 11 | $ 1,092,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 340,716,000 | 9 | $ 779,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,266,125,000,000 | 7 | $ 646,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 928,031,000 | 5 | $ 484,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ 1,874,000 | 4 | $ 391,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,077,868,000 | 4 | $ 147,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 119,444,656,000 | 3 | $ 392,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 2 | $ 130,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,617,126,000 | 2 | $ 114,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 2 | $ 198,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,474,077,383,000 | 2 | $ 219,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,896,773,000,000 | 2 | $ 170,000 |
| Gfs Capital 6499 HAVENWOOD CIRCLE HUNTINGTON BEACH, CA 92648 |
* | $ 10,000,000 | 2 | $ 146,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 2 | $ 302,000 |
| Proficio Bank 6985 UNION PARK CENTER, SUITE 150 COTTONWOOD HEIGHTS, UT 84047 |
* | $ 209,365,000 | 2 | $ 156,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 2,203,139,000 | 2 | $ 128,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 2 | $ 141,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 1 | $ 134,000 |
| Residential Finance Corporatio 1 EASTON OVAL #400 COLUMBUS, OH 43219 |
* | $ 17,533,484,000 | 1 | $ 153,000 |
| Cashcall, Inc. 1 CITY BLVD WEST SUITE 1000 ORANGE, CA 92868 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ 40,000,000 | 1 | $ 132,000 |
| Guardian Savings Bank, A Federal Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ 817,138,000 | 1 | $ 68,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,532,387,000 | 1 | $ 86,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 1 | $ 117,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 1,946,864,000 | 1 | $ 134,000 |
| Mortgage Investors Corp 6090 CENTRAL AVE ST. PETERSBURG, FL 33707 |
* | $ 10,000,000 | 1 | $ 86,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 1 | $ 92,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ 42,141,000 | 1 | $ 66,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 1 | $ 149,000 |
| Discover Home Loans, Inc. 173 TECHNOLOGY DRIVE IRVINE, CA 92618 |
* | $ 73,491,315,000 | 1 | $ 115,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,313,401,000,000 | 1 | $ 20,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 58,597,476,000 | 1 | $ 128,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 295,026,390,000 | 1 | $ 39,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 100,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 429,180,000 | 1 | $ 96,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 1 | $ 115,000 |
| Mainsource Bank 2105 N STATE RD 3 BYPASS GREENSBURG, IN 47240 |
* | $ 2,743,288,000 | 1 | $ 77,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 137,781,000 | 1 | $ 86,000 |
The tables below break down 2013 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 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 | 102 | $5,969,000 | $58,000 | $189,000 | $48,000 | $490,000 |
| Refinancing | 81 | $6,828,000 | $84,000 | $210,000 | $69,000 | $1,576,000 |
| Home Improvement | 50 | $438,000 | $8,000 | $101,000 | $42,000 | $190,000 |
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 | 205 | $10,680,000 | $52,000 | $210,000 | $56,000 | $1,576,000 |
| Not Provided | 19 | $1,586,000 | $83,000 | $153,000 | $45,000 | $137,000 |
| Not applicable | 7 | $767,000 | $109,000 | $180,000 | $7,000 | $51,000 |
| American Indian or Alaskan Native | 1 | $92,000 | $92,000 | $92,000 | $25,000 | $25,000 |
| Hispanic | 1 | $110,000 | $110,000 | $110,000 | $122,000 | $122,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 207 | $10,746,000 | $51,000 | $210,000 | $57,000 | $1,576,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,536,000 | $96,000 | $198,000 | $20,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 7 | $730,000 | $104,000 | $153,000 | $38,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $223,000 | $74,000 | $89,000 | $28,000 | $29,000 |
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 | 105 | $4,882,000 | $46,000 | $189,000 | $74,000 | $1,576,000 |
| Application Denied By Financial Institution | 72 | $4,123,000 | $57,000 | $170,000 | $35,000 | $139,000 |
| Application Approved But Not Accepted | 25 | $1,169,000 | $46,000 | $140,000 | $37,000 | $83,000 |
| Application Withdrawn By Applicant | 17 | $1,535,000 | $90,000 | $198,000 | $47,000 | $137,000 |
| Loan Purchased By The Institution | 12 | $1,341,000 | $111,000 | $210,000 | $37,000 | $247,000 |
| File Closed For Incompleteness | 2 | $185,000 | $92,000 | $96,000 | $48,000 | $68,000 |
| 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 | 9 | $550,000 | $61,000 | $96,000 | $24,000 | $98,000 |
| Other | 4 | $452,000 | $113,000 | $170,000 | $59,000 | $108,000 |
| Collateral | 2 | $154,000 | $77,000 | $86,000 | $69,000 | $139,000 |
| Unverifiable Information | 1 | $110,000 | $110,000 | $110,000 | $17,000 | $17,000 |
| Debt-To-Income Ratio | 1 | $128,000 | $128,000 | $128,000 | $134,000 | $134,000 |
| 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 |
| Credit Application Incomplete | 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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