Gallatin County, KY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 466 mortgage applications in Gallatin County, KY totaling $100.8 million, up 16% from 2024. The average application was for $216,000, and applicants reported an average income of $87,000. 40% of applications resulted in an originated loan and 27% were denied. The most active lender was 21st Mortgage, with 33 applications, followed by Vanderbilt Mortgage and Finance, Inc and German American 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 | 466 |
| Total Mortgage Loan Application Amount | $100,770,000 |
| Average Mortgage Loan Application Amount | $216,000 |
| Highest Mortgage Loan Application Amount | $27,135,000 |
| Average Applicant Income | $87,000 |
| Highest Applicant Income | $684,000 |
* 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 |
|---|---|---|---|---|
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 33 | $ 1,975,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ n/a | 33 | $ 4,935,000 |
| German American Bank 711 MAIN STREET, P.O. BOX 360 JASPER, IN 47546 |
* | $ n/a | 32 | $ 3,750,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 27 | $ 4,515,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 19 | $ 4,205,000 |
| Park Lane Finance Solutionsllc 1228 CEDARS CT STE 201 CHARLOTTESVILLE, VA 22903 |
* | $ n/a | 16 | $ 990,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 16 | $ 1,190,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 15 | $ 3,315,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 13 | $ 855,000 |
| Zippy Loans, LLC 2807 ALLEN ST DALLAS, TX 75204 |
* | $ n/a | 12 | $ 690,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 11 | $ 2,485,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 11 | $ 2,165,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ n/a | 11 | $ 2,315,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ n/a | 11 | $ 1,275,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ n/a | 9 | $ 1,205,000 |
| First National Bank of Kentucky 604 HIGHLAND AVE CARROLLTON, KY 41008 |
* | $ n/a | 8 | $ 1,240,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ n/a | 7 | $ 1,275,000 |
| NFM, Inc 1190 WINTERSON ROAD, SUITE 300 LINTHICUM, MD 21090 |
* | $ n/a | 6 | $ 1,630,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 6 | $ 980,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 1,430,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ n/a | 6 | $ 500,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ n/a | 5 | $ 1,175,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 5 | $ 1,155,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 5 | $ 765,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ n/a | 5 | $ 1,375,000 |
| Kemba Credit Union 8763 UNION CENTRE BLVD WEST CHESTER, OH 45069 |
* | $ n/a | 5 | $ 305,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 5 | $ 965,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 5 | $ 335,000 |
| The Loan Store, Inc TUCSON, AZ 85718 |
* | $ n/a | 4 | $ 560,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 1,130,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 4 | $ 900,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 4 | $ 380,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 4 | $ 670,000 |
| Success Mortgage Partners, Inc 1200 S. SHELDON RD. PLYMOUTH, MI 48170 |
* | $ n/a | 4 | $ 490,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ n/a | 4 | $ 210,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ n/a | 4 | $ 360,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ n/a | 4 | $ 780,000 |
| Coastal Community Bank PO BOX 12220 EVERETT, WA 98203 |
* | $ n/a | 3 | $ 65,000 |
| Towne Mortgage Company 888 WEST BIG BEAVER ROAD SUITE 310 TROY, MI 48084 |
* | $ n/a | 3 | $ 625,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 3 | $ 335,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 3 | $ 365,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 3 | $ 685,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ n/a | 2 | $ 350,000 |
| T2 Financial LLC 480 OLDE WORTHINGTON RD SUITE 300 WESTERVILLE, OH 43082 |
* | $ n/a | 2 | $ 500,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ n/a | 2 | $ 860,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ n/a | 2 | $ 220,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 2 | $ 50,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 2 | $ 470,000 |
| Luminate Bank 2523 SOUTH WAYZATA BOULEVARD SUITE 100 MINNEAPOLIS, MN 55405 |
* | $ n/a | 2 | $ 420,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ n/a | 2 | $ 140,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 2 | $ 400,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 2 | $ 280,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 2 | $ 390,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 2 | $ 350,000 |
| The State Bank & Trust Company 401 CLINTON STREET DEFIANCE, OH 43512 |
* | $ n/a | 1 | $ 105,000 |
| Right Start Mortgage, Inc SAN ANTONIO, TX 78248 |
* | $ n/a | 1 | $ 175,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ n/a | 1 | $ 35,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ n/a | 1 | $ 95,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ n/a | 1 | $ 185,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ n/a | 1 | $ 295,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ n/a | 1 | $ 45,000 |
| Absolute Home Mortgage 330 PASSAIC AVENUE FAIRFIELD, NJ 07004 |
* | $ n/a | 1 | $ 345,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ n/a | 1 | $ 115,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ n/a | 1 | $ 515,000 |
| Dollar Bank, FSB #3 GATEWAY CENTER, SEVEN WEST PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 345,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 1 | $ 275,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ n/a | 1 | $ 125,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ n/a | 1 | $ 85,000 |
| Walker & Dunlop, LLC 7501 WISCONSIN AVE, STE 1200E BETHESDA, MD 20814 |
* | $ n/a | 1 | $ 27,135,000 |
| Heritage Bank, Inc 1818 FLORENCE PIKE BURLINGTON, KY 41005 |
* | $ n/a | 1 | $ 285,000 |
| Riverhills Bank 553 CHAMBER DRIVE MILFORD, OH 45150 |
* | $ n/a | 1 | $ 255,000 |
| Mission Loans, LLC IRVINE, CA 92612 |
* | $ n/a | 1 | $ 225,000 |
| United Citizens Bank & Trust Company P O BOX 250 CAMPBELLSBURG, KY 40011 |
* | $ n/a | 1 | $ 105,000 |
| Mm Lending, LLC 4165 WESTPORT RD SUITE 204 LOUISVILLE, KY 40222 |
* | $ n/a | 1 | $ 205,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 1 | $ 35,000 |
| The Cecilian Bank 104 EAST MAIN STREET CECILIA, KY 42724 |
* | $ n/a | 1 | $ 4,005,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 225,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ n/a | 1 | $ 255,000 |
| Cinfed Federal Credit Union 4801 KENNEDY AVE CINCINNATI, OH 45209 |
* | $ n/a | 1 | $ 125,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ n/a | 1 | $ 255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ n/a | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 45,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 1 | $ 85,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ n/a | 1 | $ 185,000 |
| Guardian Savings Bank 6100 WEST CHESTER RD WEST CHESTER, OH 45069 |
* | $ n/a | 1 | $ 155,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 1 | $ 75,000 |
The tables below break down 2025 mortgage applications in Gallatin 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 Gallatin 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 | 237 | $40,015,000 | $168,000 | $4,005,000 | $84,000 | $684,000 |
| Cash-out Refinancing | 100 | $18,290,000 | $182,000 | $755,000 | $80,000 | $190,000 |
| Other Purpose | 53 | $3,995,000 | $75,000 | $505,000 | $95,000 | $370,000 |
| Refinancing | 46 | $35,390,000 | $769,000 | $27,135,000 | $107,000 | $349,000 |
| Home Improvement | 28 | $2,830,000 | $101,000 | $455,000 | $101,000 | $212,000 |
| Not Applicable | 2 | $250,000 | $125,000 | $205,000 | $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 | 372 | $54,880,000 | $147,000 | $605,000 | $88,000 | $370,000 |
| Not Provided | 43 | $6,685,000 | $155,000 | $755,000 | $84,000 | $235,000 |
| Not applicable | 31 | $36,755,000 | $1,185,000 | $27,135,000 | $91,000 | $145,000 |
| Hispanic | 15 | $1,795,000 | $119,000 | $225,000 | $103,000 | $684,000 |
| Black or African American | 3 | $315,000 | $105,000 | $225,000 | $23,000 | $54,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $42,000 | $42,000 |
| Asian | 1 | $305,000 | $305,000 | $305,000 | $123,000 | $123,000 |
| 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) | 327 | $70,165,000 | $214,000 | $27,135,000 | $90,000 | $684,000 |
| FHA-insured (Federal Housing Administration) | 108 | $22,370,000 | $207,000 | $535,000 | $76,000 | $207,000 |
| VA-guaranteed (Veterans Administration) | 23 | $6,475,000 | $281,000 | $605,000 | $108,000 | $162,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $1,760,000 | $220,000 | $295,000 | $77,000 | $96,000 |
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 | 187 | $63,815,000 | $341,000 | $27,135,000 | $97,000 | $370,000 |
| Application Denied By Financial Institution | 126 | $12,890,000 | $102,000 | $535,000 | $77,000 | $250,000 |
| Application Withdrawn By Applicant | 61 | $11,045,000 | $181,000 | $755,000 | $103,000 | $684,000 |
| File Closed For Incompleteness | 36 | $4,910,000 | $136,000 | $605,000 | $65,000 | $200,000 |
| Application Approved But Not Accepted | 28 | $2,700,000 | $96,000 | $265,000 | $67,000 | $120,000 |
| Loan Purchased By The Institution | 28 | $5,410,000 | $193,000 | $465,000 | $90,000 | $145,000 |
| 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 | 339 | $87,595,000 | $258,000 | $27,135,000 | $92,000 | $684,000 |
| Credit History | 52 | $4,630,000 | $89,000 | $275,000 | $84,000 | $250,000 |
| Debt-To-Income Ratio | 30 | $3,290,000 | $109,000 | $285,000 | $53,000 | $192,000 |
| Collateral | 15 | $1,165,000 | $77,000 | $275,000 | $74,000 | $123,000 |
| Credit Application Incomplete | 9 | $945,000 | $105,000 | $185,000 | $86,000 | $200,000 |
| Other | 7 | $865,000 | $123,000 | $205,000 | $113,000 | $245,000 |
| Unverifiable Information | 7 | $1,195,000 | $170,000 | $305,000 | $78,000 | $116,000 |
| Employment History | 4 | $450,000 | $112,000 | $205,000 | $54,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $635,000 | $211,000 | $535,000 | $119,000 | $190,000 |
| 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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