Bell County, KY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 689 mortgage applications in Bell County, KY totaling $93.0 million, up 14% from 2024. The average application was for $135,000, and applicants reported an average income of $74,000. 30% of applications resulted in an originated loan and 38% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 210 applications, followed by Community Trust Bank, Inc. and Hearthside Bank Corporation.
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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 | 689 |
| Total Mortgage Loan Application Amount | $93,035,000 |
| Average Mortgage Loan Application Amount | $135,000 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $986,000 |
* 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 | 210 | $ 23,860,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 37 | $ 5,305,000 |
| Hearthside Bank Corporation 1602 CUMBERLAND AVENUE MIDDLESBORO, KY 40965 |
* | $ n/a | 34 | $ 5,400,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 29 | $ 4,355,000 |
| Y-12 Federal Credit Union 501 LAFAYETTE DR OAK RIDGE, TN 37830 |
* | $ n/a | 25 | $ 2,365,000 |
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ n/a | 23 | $ 2,155,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 16 | $ 2,640,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 16 | $ 2,310,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 14 | $ 2,050,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 14 | $ 1,260,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 12 | $ 2,910,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 12 | $ 1,460,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 11 | $ 1,955,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 2,365,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 10 | $ 1,580,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 10 | $ 1,320,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ n/a | 8 | $ 1,130,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 7 | $ 555,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 7 | $ 595,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ n/a | 7 | $ 1,205,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ n/a | 7 | $ 1,335,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 6 | $ 780,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 6 | $ 1,730,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 520,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 6 | $ 1,920,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ n/a | 5 | $ 515,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 4 | $ 480,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 4 | $ 380,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ n/a | 4 | $ 400,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 4 | $ 350,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 4 | $ 130,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 4 | $ 670,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 315,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 305,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ n/a | 3 | $ 475,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 3 | $ 115,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ n/a | 3 | $ 385,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 3 | $ 625,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 785,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 2 | $ 320,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ n/a | 2 | $ 160,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 280,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ n/a | 2 | $ 450,000 |
| Texana Bank 124 E RUSH ST LINDEN, TX 75563 |
* | $ n/a | 2 | $ 450,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 2 | $ 260,000 |
| First Century Bank 1780 NORTH BROAD STREET TAZEWELL, TN 37879 |
* | $ n/a | 2 | $ 170,000 |
| Consumer Real Estate Finance Co dba Society Mortgage 330 SW 2ND ST #111 FORT LAUDERDALE, FL 33312 |
* | $ n/a | 2 | $ 250,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 70,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ n/a | 2 | $ 280,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ n/a | 2 | $ 350,000 |
| Better Mortgage Corporation 1 WORLD TRADE CENTER FL 80 NEW YORK, NY 10007 |
* | $ n/a | 2 | $ 560,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ n/a | 2 | $ 140,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ n/a | 2 | $ 340,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 2 | $ 130,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ n/a | 2 | $ 450,000 |
| Citizens Bank of Kentucky, Inc. PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ n/a | 1 | $ 285,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ n/a | 1 | $ 115,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 175,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 1 | $ 155,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 105,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ n/a | 1 | $ 75,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ n/a | 1 | $ 195,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 205,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 1 | $ 25,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 135,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ n/a | 1 | $ 495,000 |
| Farmers and Miners Bank 41526 W MORGAN AVENUE PENNINGTON GAP, VA 24277 |
* | $ n/a | 1 | $ 45,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 1 | $ 195,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ n/a | 1 | $ 205,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 85,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ n/a | 1 | $ 335,000 |
| Ornl Federal Credit Union 221 SOUTH RUTGERS AVENUE OAK RIDGE, TN 37830 |
* | $ n/a | 1 | $ 155,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ n/a | 1 | $ 85,000 |
| Deephaven Mortgage LLC 3530 TORINGDON WAY #200 CHARLOTTE, NC 28277 |
* | $ n/a | 1 | $ 125,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 1 | $ 105,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 155,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 455,000 |
| The Citizens National Bank of Somerset 44 PUBLIC SQ, PO BOX 760 SOMERSET, KY 42502 |
* | $ n/a | 1 | $ 125,000 |
| Premia Mortgage, LLC CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 185,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 45,000 |
| Interlinc Mortgage Services, LLC 10613 W. SAM HOUSTON PKWY N. SUITE 200 HOUSTON, TX 77086 |
* | $ n/a | 1 | $ 135,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ n/a | 1 | $ 195,000 |
| Lendage, LLC dba Achieve Loans 1875 S GRANT ST SAN MATEO, CA 94402 |
* | $ n/a | 1 | $ 35,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 235,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 1 | $ 55,000 |
| Bank Iowa 1150 JORDAN CREEK PARKWAY WEST DES MOINES, IA 50266 |
* | $ n/a | 1 | $ 155,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 115,000 |
| Loan Funder LLC 645 MADISON AVENUE, 19TH FLOOR NEW YORK, NY 10022 |
* | $ n/a | 1 | $ 215,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 125,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 185,000 |
The tables below break down 2025 mortgage applications in Bell 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 Bell County, KY in 2025
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 | 487 | $67,795,000 | $139,000 | $605,000 | $67,000 | $986,000 |
| Cash-out Refinancing | 72 | $10,400,000 | $144,000 | $465,000 | $88,000 | $870,000 |
| Refinancing | 55 | $9,545,000 | $173,000 | $465,000 | $89,000 | $337,000 |
| Other Purpose | 42 | $2,580,000 | $61,000 | $205,000 | $99,000 | $723,000 |
| Home Improvement | 32 | $2,580,000 | $80,000 | $205,000 | $82,000 | $259,000 |
| Not Applicable | 1 | $135,000 | $135,000 | $135,000 | $42,000 | $42,000 |
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 | 569 | $75,075,000 | $131,000 | $605,000 | $71,000 | $871,000 |
| Not applicable | 51 | $8,185,000 | $160,000 | $455,000 | $62,000 | $77,000 |
| Not Provided | 42 | $6,720,000 | $160,000 | $465,000 | $115,000 | $986,000 |
| Black or African American | 10 | $1,130,000 | $113,000 | $225,000 | $124,000 | $723,000 |
| Hispanic | 7 | $715,000 | $102,000 | $235,000 | $30,000 | $72,000 |
| American Indian or Alaskan Native | 7 | $785,000 | $112,000 | $185,000 | $72,000 | $250,000 |
| Asian | 2 | $290,000 | $145,000 | $155,000 | $81,000 | $92,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $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) | 522 | $62,720,000 | $120,000 | $605,000 | $75,000 | $986,000 |
| FHA-insured (Federal Housing Administration) | 99 | $14,855,000 | $150,000 | $395,000 | $67,000 | $205,000 |
| VA-guaranteed (Veterans Administration) | 48 | $12,710,000 | $264,000 | $495,000 | $78,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 20 | $2,750,000 | $137,000 | $295,000 | $56,000 | $114,000 |
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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 259 | $32,625,000 | $125,000 | $605,000 | $69,000 | $986,000 |
| Loan Originated | 208 | $29,030,000 | $139,000 | $535,000 | $87,000 | $343,000 |
| File Closed For Incompleteness | 93 | $9,625,000 | $103,000 | $245,000 | $54,000 | $172,000 |
| Application Withdrawn By Applicant | 68 | $12,550,000 | $184,000 | $535,000 | $86,000 | $548,000 |
| Loan Purchased By The Institution | 41 | $6,575,000 | $160,000 | $455,000 | $62,000 | $77,000 |
| Application Approved But Not Accepted | 20 | $2,630,000 | $131,000 | $455,000 | $64,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 393 | $54,135,000 | $137,000 | $535,000 | $74,000 | $548,000 |
| Credit History | 141 | $17,765,000 | $125,000 | $605,000 | $75,000 | $986,000 |
| Debt-To-Income Ratio | 94 | $14,060,000 | $149,000 | $585,000 | $75,000 | $870,000 |
| Unverifiable Information | 20 | $2,300,000 | $115,000 | $205,000 | $61,000 | $126,000 |
| Collateral | 15 | $1,735,000 | $115,000 | $435,000 | $62,000 | $150,000 |
| Credit Application Incomplete | 14 | $1,630,000 | $116,000 | $275,000 | $80,000 | $337,000 |
| Other | 8 | $1,000,000 | $125,000 | $205,000 | $65,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $410,000 | $102,000 | $135,000 | $37,000 | $51,000 |
| Mortgage Insurance Denied | 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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