Clinton County, KY Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 160 mortgage applications in Clinton County, KY totaling $21.5 million, down 2% from 2023. The average application was for $134,000, and applicants reported an average income of $74,000. 37% of applications resulted in an originated loan and 32% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 26 applications, followed by Monticello Banking Company and 21st Mortgage.
Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics
for all lenders based in Kentucky.
Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed
about local mortgage trends and lending activity.
| 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 | 160 |
| Total Mortgage Loan Application Amount | $21,480,000 |
| Average Mortgage Loan Application Amount | $134,000 |
| Highest Mortgage Loan Application Amount | $485,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $276,000 |
* 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 | 26 | $ 2,960,000 |
| Monticello Banking Company 50 NORTH MAIN STREET; PO BOX 421 MONTICELLO, KY 42633 |
* | $ n/a | 16 | $ 1,770,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 16 | $ 1,540,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 6 | $ 660,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 6 | $ 500,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 6 | $ 820,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 5 | $ 495,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 4 | $ 620,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 4 | $ 480,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 3 | $ 245,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 3 | $ 305,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 3 | $ 585,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 3 | $ 225,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 3 | $ 245,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 860,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 490,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 2 | $ 140,000 |
| Macon Bank and Trust Company 609 RED BOILING SPRINGS ROAD LAFAYETTE, TN 37083 |
* | $ n/a | 2 | $ 230,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ n/a | 2 | $ 330,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 140,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ n/a | 2 | $ 270,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 2 | $ 330,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 770,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 2 | $ 230,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 1 | $ 15,000 |
| Independence Bank of Kentucky 2425 FREDERICA STREET OWENSBORO, KY 42301 |
* | $ n/a | 1 | $ 25,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 1 | $ 165,000 |
| Heartland Bank 430 N HAMILTON ROAD WHITEHALL, OH 43213 |
* | $ n/a | 1 | $ 235,000 |
| Ascend Federal Credit Union 520 AIRPARK DRIVE TULLAHOMA, TN 37388 |
* | $ n/a | 1 | $ 235,000 |
| Norwich Commercial Group Inc 38 SECURITY DRIVE AVON, CT 06001 |
* | $ n/a | 1 | $ 95,000 |
| Mycumortgage 3560 PENTAGON BLVD. SUITE 301 BEAVERCREEK, OH 45431 |
* | $ n/a | 1 | $ 135,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 1 | $ 5,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 1 | $ 125,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 1 | $ 485,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ n/a | 1 | $ 295,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 1 | $ 105,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 1 | $ 265,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ n/a | 1 | $ 105,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 235,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 1 | $ 255,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 1 | $ 235,000 |
| First Community Mortgage, Inc. 275 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ n/a | 1 | $ 375,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 1 | $ 185,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 275,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ n/a | 1 | $ 85,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ n/a | 1 | $ 65,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ n/a | 1 | $ 205,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 35,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 1 | $ 95,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ n/a | 1 | $ 95,000 |
| The Citizens National Bank of Somerset 44 PUBLIC SQ, PO BOX 760 SOMERSET, KY 42502 |
* | $ n/a | 1 | $ 165,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 1 | $ 315,000 |
| Republic Bank & Trust 601 W MARKET ST LOUISVILLE, KY 40202 |
* | $ n/a | 1 | $ 25,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 315,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 65,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 295,000 |
The tables below break down 2024 mortgage applications in Clinton 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 Clinton 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 | 115 | $17,065,000 | $148,000 | $485,000 | $83,000 | $276,000 |
| Cash-out Refinancing | 23 | $2,575,000 | $111,000 | $275,000 | $53,000 | $131,000 |
| Other Purpose | 9 | $715,000 | $79,000 | $125,000 | $49,000 | $150,000 |
| Refinancing | 7 | $935,000 | $133,000 | $235,000 | $70,000 | $117,000 |
| Home Improvement | 6 | $190,000 | $31,000 | $55,000 | $47,000 | $100,000 |
| 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 | 137 | $17,535,000 | $127,000 | $485,000 | $77,000 | $276,000 |
| Not applicable | 13 | $2,965,000 | $228,000 | $485,000 | $0 | $0 |
| Not Provided | 9 | $875,000 | $97,000 | $165,000 | $45,000 | $68,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
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) | 124 | $14,960,000 | $120,000 | $485,000 | $74,000 | $276,000 |
| FHA-insured (Federal Housing Administration) | 23 | $3,315,000 | $144,000 | $325,000 | $75,000 | $226,000 |
| VA-guaranteed (Veterans Administration) | 11 | $2,875,000 | $261,000 | $415,000 | $80,000 | $144,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $330,000 | $165,000 | $165,000 | $83,000 | $83,000 |
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 | 59 | $9,135,000 | $154,000 | $485,000 | $91,000 | $276,000 |
| Application Denied By Financial Institution | 52 | $5,490,000 | $105,000 | $245,000 | $62,000 | $182,000 |
| Application Withdrawn By Applicant | 16 | $1,810,000 | $113,000 | $265,000 | $88,000 | $224,000 |
| File Closed For Incompleteness | 15 | $1,525,000 | $101,000 | $275,000 | $48,000 | $100,000 |
| Loan Purchased By The Institution | 12 | $2,830,000 | $235,000 | $485,000 | $0 | $0 |
| Application Approved But Not Accepted | 6 | $690,000 | $115,000 | $185,000 | $55,000 | $62,000 |
| 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 | 94 | $14,580,000 | $155,000 | $485,000 | $80,000 | $273,000 |
| Credit History | 31 | $3,105,000 | $100,000 | $185,000 | $71,000 | $182,000 |
| Debt-To-Income Ratio | 25 | $2,735,000 | $109,000 | $245,000 | $65,000 | $276,000 |
| Unverifiable Information | 4 | $400,000 | $100,000 | $145,000 | $55,000 | $98,000 |
| Collateral | 3 | $305,000 | $101,000 | $105,000 | $62,000 | $140,000 |
| Credit Application Incomplete | 2 | $230,000 | $115,000 | $165,000 | $65,000 | $70,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $46,000 | $46,000 |
| 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 |
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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About