Knott County, KY Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 325 mortgage applications in Knott County, KY totaling $42.8 million, up 6% from 2024. The average application was for $131,000, and applicants reported an average income of $80,000. 24% of applications resulted in an originated loan and 41% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 92 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 | $42,795,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $80,000 |
| Highest Applicant Income | $455,000 |
| 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 | 92 | $ 10,120,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ n/a | 45 | $ 7,915,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ n/a | 36 | $ 3,950,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ n/a | 30 | $ 4,130,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ n/a | 22 | $ 2,800,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ n/a | 12 | $ 830,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ n/a | 7 | $ 1,125,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ n/a | 7 | $ 945,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ n/a | 6 | $ 660,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ n/a | 5 | $ 1,165,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ n/a | 5 | $ 975,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 4 | $ 580,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ n/a | 4 | $ 570,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 4 | $ 620,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ n/a | 4 | $ 630,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 4 | $ 560,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ n/a | 3 | $ 385,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ n/a | 3 | $ 205,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ n/a | 2 | $ 550,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ n/a | 2 | $ 250,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ n/a | 2 | $ 90,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ n/a | 1 | $ 65,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ n/a | 1 | $ 185,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ n/a | 1 | $ 65,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ n/a | 1 | $ 295,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ n/a | 1 | $ 145,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ n/a | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ n/a | 1 | $ 235,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ n/a | 1 | $ 275,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ n/a | 1 | $ 145,000 |
| Lower, LLC 5950 SYMPHONY WOODS DRIVE COLUMBIA, MD 21044 |
* | $ n/a | 1 | $ 275,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ n/a | 1 | $ 25,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ n/a | 1 | $ 145,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ n/a | 1 | $ 105,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 1 | $ 75,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ n/a | 1 | $ 155,000 |
| Top Flite Financial, Inc. 123 E GRAND RIVER AVE WILLIAMSTON, MI 48895 |
* | $ n/a | 1 | $ 265,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ n/a | 1 | $ 75,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 1 | $ 135,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ n/a | 1 | $ 155,000 |
The tables below break down 2025 mortgage applications in Knott 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 Knott 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 | 266 | $34,330,000 | $129,000 | $685,000 | $71,000 | $455,000 |
| Refinancing | 20 | $4,170,000 | $208,000 | $645,000 | $147,000 | $387,000 |
| Cash-out Refinancing | 17 | $2,275,000 | $133,000 | $265,000 | $113,000 | $348,000 |
| Home Improvement | 12 | $1,310,000 | $109,000 | $245,000 | $168,000 | $449,000 |
| Other Purpose | 9 | $655,000 | $72,000 | $175,000 | $60,000 | $142,000 |
| Not Applicable | 1 | $55,000 | $55,000 | $55,000 | $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 | 293 | $38,335,000 | $130,000 | $685,000 | $80,000 | $455,000 |
| Not Provided | 13 | $2,205,000 | $169,000 | $275,000 | $108,000 | $435,000 |
| Not applicable | 8 | $1,260,000 | $157,000 | $315,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $335,000 | $111,000 | $135,000 | $40,000 | $45,000 |
| Black or African American | 3 | $245,000 | $81,000 | $115,000 | $62,000 | $80,000 |
| Hispanic | 3 | $235,000 | $78,000 | $115,000 | $121,000 | $300,000 |
| Asian | 2 | $180,000 | $90,000 | $105,000 | $26,000 | $30,000 |
| 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) | 270 | $34,290,000 | $127,000 | $685,000 | $82,000 | $455,000 |
| FHA-insured (Federal Housing Administration) | 46 | $6,850,000 | $148,000 | $325,000 | $72,000 | $165,000 |
| VA-guaranteed (Veterans Administration) | 8 | $1,490,000 | $186,000 | $255,000 | $68,000 | $125,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $165,000 | $165,000 | $165,000 | $80,000 | $80,000 |
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 | 133 | $16,775,000 | $126,000 | $355,000 | $60,000 | $215,000 |
| Loan Originated | 77 | $11,125,000 | $144,000 | $685,000 | $104,000 | $455,000 |
| File Closed For Incompleteness | 59 | $6,005,000 | $101,000 | $195,000 | $72,000 | $300,000 |
| Application Withdrawn By Applicant | 32 | $5,580,000 | $174,000 | $645,000 | $125,000 | $435,000 |
| Application Approved But Not Accepted | 16 | $2,000,000 | $125,000 | $325,000 | $86,000 | $179,000 |
| Loan Purchased By The Institution | 8 | $1,310,000 | $163,000 | $315,000 | $43,000 | $43,000 |
| 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 | 192 | $26,020,000 | $135,000 | $685,000 | $95,000 | $455,000 |
| Credit History | 69 | $8,525,000 | $123,000 | $275,000 | $53,000 | $128,000 |
| Debt-To-Income Ratio | 27 | $3,915,000 | $145,000 | $255,000 | $46,000 | $135,000 |
| Unverifiable Information | 15 | $1,785,000 | $119,000 | $235,000 | $80,000 | $210,000 |
| Collateral | 9 | $515,000 | $57,000 | $165,000 | $61,000 | $155,000 |
| Other | 5 | $735,000 | $147,000 | $195,000 | $110,000 | $205,000 |
| Credit Application Incomplete | 4 | $670,000 | $167,000 | $355,000 | $136,000 | $215,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $280,000 | $140,000 | $145,000 | $55,000 | $67,000 |
| Mortgage Insurance Denied | 1 | $165,000 | $165,000 | $165,000 | $80,000 | $80,000 |
| Employment History | 1 | $185,000 | $185,000 | $185,000 | $126,000 | $126,000 |
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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