Adair County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 325 mortgage applications in Adair County, KY totaling $46.5 million, down 2% from 2023. The average application was for $143,000, and applicants reported an average income of $79,000. 42% of applications resulted in an originated loan and 30% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 53 applications, followed by Community Trust Bank, 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 | 325 |
| Total Mortgage Loan Application Amount | $46,515,000 |
| Average Mortgage Loan Application Amount | $143,000 |
| Highest Mortgage Loan Application Amount | $905,000 |
| Average Applicant Income | $79,000 |
| Highest Applicant Income | $384,000 |
* 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 |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 53 | $ 6,075,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 31 | $ 3,965,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 29 | $ 3,525,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 15 | $ 3,245,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 15 | $ 2,535,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 9 | $ 1,105,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 8 | $ 700,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 7 | $ 1,355,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 7 | $ 1,065,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 6 | $ 1,160,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 1,140,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ n/a | 6 | $ 870,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 6 | $ 1,100,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ n/a | 6 | $ 510,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 5 | $ 755,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 5 | $ 625,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 5 | $ 505,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 4 | $ 800,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 4 | $ 840,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 3 | $ 905,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 3 | $ 595,000 |
| Csl Financial, LLC 500 OFFICE PARK DRIVE SUITE 310 BIRMINGHAM, AL 35223 |
* | $ n/a | 3 | $ 345,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 2 | $ 250,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 2 | $ 210,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 440,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ n/a | 2 | $ 110,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 2 | $ 120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 250,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ n/a | 2 | $ 210,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 320,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 2 | $ 140,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 2 | $ 190,000 |
| Canopy Mortgage, LLC 360 TECHNOLOGY COURT STE. 200 LINDON, UT 84003 |
* | $ n/a | 2 | $ 100,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 2 | $ 270,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ n/a | 2 | $ 230,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 340,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 50,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 2 | $ 350,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 2 | $ 260,000 |
| Atlantic Bay Mortgage Group 596 LYNNHAVEN PARKWAY SUITE 200 VIRGINIA BEACH, VA 23452 |
* | $ n/a | 2 | $ 640,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 2 | $ 110,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 2 | $ 310,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 280,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 1 | $ 125,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 255,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 1 | $ 5,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ n/a | 1 | $ 35,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 155,000 |
| Catalyst Mortgage 3013 DOUGLAS BLVD, SUITE 135 ROSEVILLE, CA 95661 |
* | $ n/a | 1 | $ 305,000 |
| Sofi Bank, National Association FRISCO, TX 75034 |
* | $ n/a | 1 | $ 255,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ n/a | 1 | $ 125,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 1 | $ 95,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 25,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 55,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ n/a | 1 | $ 315,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 225,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 1 | $ 45,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 225,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 75,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ n/a | 1 | $ 65,000 |
| Edmonton State Bank 204 ROGERS ROAD GLASGOW, KY 42141 |
* | $ n/a | 1 | $ 205,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 145,000 |
| Gershman Investment Corp. 16253 SWINGLEY RIDGE ROAD, SUITE 400 CHESTERFIELD, MO 63017 |
* | $ n/a | 1 | $ 145,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 155,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 255,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ n/a | 1 | $ 225,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 225,000 |
| Emm Loans LLC 3 EXECUTIVE CAMPUS, SUITE 520 CHERRY HILL, NJ 08003 |
* | $ n/a | 1 | $ 175,000 |
| The Lincoln National Bank of Hodgenville P.O. BOX 9, 41 LINCOLN SQUARE HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 175,000 |
| Quorum Federal Credit Union 2500 WESTCHESTER AVENUE PURCHASE, NY 10577 |
* | $ n/a | 1 | $ 95,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 245,000 |
| Bayshore Mortgage Funding 1920 GREENSPRING DRIVE, SUITE 140 TIMONIUM, MD 21093 |
* | $ n/a | 1 | $ 95,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 165,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 1 | $ 185,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ n/a | 1 | $ 225,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 75,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 295,000 |
The tables below break down 2024 mortgage applications in Adair 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 Adair County, KY in 2024
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 | 215 | $33,505,000 | $155,000 | $525,000 | $75,000 | $233,000 |
| Cash-out Refinancing | 43 | $6,605,000 | $153,000 | $365,000 | $79,000 | $323,000 |
| Other Purpose | 28 | $1,600,000 | $57,000 | $255,000 | $94,000 | $384,000 |
| Refinancing | 24 | $3,970,000 | $165,000 | $905,000 | $82,000 | $200,000 |
| Home Improvement | 15 | $835,000 | $55,000 | $105,000 | $98,000 | $250,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 257 | $36,115,000 | $140,000 | $905,000 | $77,000 | $323,000 |
| Not Provided | 39 | $5,495,000 | $140,000 | $365,000 | $84,000 | $224,000 |
| Not applicable | 21 | $3,785,000 | $180,000 | $305,000 | $0 | $0 |
| Black or African American | 3 | $415,000 | $138,000 | $155,000 | $77,000 | $120,000 |
| Hispanic | 3 | $405,000 | $135,000 | $205,000 | $76,000 | $145,000 |
| American Indian or Alaskan Native | 2 | $300,000 | $150,000 | $255,000 | $192,000 | $384,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 227 | $29,025,000 | $127,000 | $905,000 | $79,000 | $384,000 |
| FHA-insured (Federal Housing Administration) | 47 | $7,755,000 | $165,000 | $285,000 | $69,000 | $183,000 |
| VA-guaranteed (Veterans Administration) | 32 | $6,420,000 | $200,000 | $475,000 | $96,000 | $233,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $3,315,000 | $174,000 | $255,000 | $68,000 | $99,000 |
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 | 136 | $20,990,000 | $154,000 | $905,000 | $91,000 | $323,000 |
| Application Denied By Financial Institution | 96 | $11,280,000 | $117,000 | $365,000 | $67,000 | $384,000 |
| File Closed For Incompleteness | 33 | $4,115,000 | $124,000 | $285,000 | $68,000 | $150,000 |
| Application Withdrawn By Applicant | 31 | $4,675,000 | $150,000 | $445,000 | $76,000 | $161,000 |
| Loan Purchased By The Institution | 21 | $3,865,000 | $184,000 | $305,000 | $73,000 | $105,000 |
| Application Approved But Not Accepted | 7 | $1,295,000 | $185,000 | $315,000 | $79,000 | $191,000 |
| Preapproval Approved but not Accepted | 1 | $295,000 | $295,000 | $295,000 | $114,000 | $114,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 227 | $35,065,000 | $154,000 | $905,000 | $84,000 | $323,000 |
| Credit History | 43 | $5,245,000 | $121,000 | $365,000 | $71,000 | $179,000 |
| Debt-To-Income Ratio | 19 | $2,355,000 | $123,000 | $345,000 | $45,000 | $161,000 |
| Unverifiable Information | 16 | $1,510,000 | $94,000 | $195,000 | $53,000 | $96,000 |
| Collateral | 8 | $810,000 | $101,000 | $215,000 | $79,000 | $178,000 |
| Credit Application Incomplete | 7 | $875,000 | $125,000 | $255,000 | $124,000 | $384,000 |
| Other | 2 | $150,000 | $75,000 | $115,000 | $78,000 | $120,000 |
| Employment History | 2 | $400,000 | $200,000 | $225,000 | $69,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $76,000 | $76,000 |
| 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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