Knott County, KY Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 318 mortgage applications in Knott County, KY totaling $37.6 million, up 6% from 2021. The average application was for $118,000, and applicants reported an average income of $63,000. 29% of applications resulted in an originated loan and 39% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 73 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 | 318 |
| Total Mortgage Loan Application Amount | $37,620,000 |
| Average Mortgage Loan Application Amount | $118,000 |
| Highest Mortgage Loan Application Amount | $565,000 |
| Average Applicant Income | $63,000 |
| Highest Applicant Income | $347,000 |
* 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 |
* | $ -1,000 | 73 | $ 7,115,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 5,384,484,000 | 55 | $ 5,225,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 28 | $ 2,990,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 3,655,190,000 | 14 | $ 1,610,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 14 | $ 1,930,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 12,582,271,000 | 13 | $ 1,825,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 564,154,604,000 | 8 | $ 720,000 |
| Tammac Holdings Corporation 480 SWEDESFORD ROAD SUITE 200 WAYNE, PA 19087 |
* | $ -1,000 | 5 | $ 485,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 5 | $ 595,000 |
| Peoples Bank 138 PUTNAM STREET MARIETTA, OH 45750 |
* | $ 4,351,191,000 | 4 | $ 210,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 600,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 780,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 4 | $ 910,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 3 | $ 335,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 3 | $ 595,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 515,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 3 | $ 225,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,895,919,000 | 3 | $ 205,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,779,504,000,000 | 3 | $ 255,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 2,063,401,000 | 3 | $ 555,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,348,940,000 | 3 | $ 255,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 665,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 2 | $ 350,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 210,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 153,432,983,000 | 2 | $ 460,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 120,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 2 | $ 410,000 |
| Stearns Lending, LLC 4 HUTTON CENTRE, 10TH FLOOR SANTA ANA, CA 92707 |
* | $ -1,000 | 2 | $ 340,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 173,414,362,000 | 2 | $ 90,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 3,463,554,000 | 2 | $ 760,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 180,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 2 | $ 310,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 16,793,269,000 | 2 | $ 250,000 |
| Prosperity Home Mortgage, LLC 14501 GEORGE CARTER WAY SUITE 300 CHANTILLY, VA 20151 |
* | $ -1,000 | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 85,000 |
| Wesbanco Bank, Inc. 1 BANK PLAZA WHEELING, WV 26003 |
* | $ 16,878,802,000 | 1 | $ 75,000 |
| Star USA Federal Credit Union ONE CANTLEY DRIVE CHARLESTON, WV 25314 |
* | $ 161,574,000 | 1 | $ 135,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 255,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 305,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 95,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 162,193,000,000 | 1 | $ 155,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 175,000 |
| Eastman Credit Union P.O. BOX 1989 KINGSPORT, TN 37662 |
* | $ 7,123,603,000 | 1 | $ 55,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 24,354,109,000 | 1 | $ 15,000 |
| United Community Bank PO BOX 398 GREENVILLE, SC 29601 |
* | $ 20,897,645,000 | 1 | $ 135,000 |
| Abound Federal Credit Union 3939 S. DIXIE BLVD RADCLIFF, KY 40160 |
* | $ 2,025,359,000 | 1 | $ 215,000 |
| Powell Valley National Bank 33785 MAIN STREET JONESVILLE, VA 24263 |
* | $ 430,420,000 | 1 | $ 35,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| Mortgage Investors Group 501 JAMES ROBERTSON PARKWAY NASHVILLE, TN 37219 |
* | $ -1,000 | 1 | $ 145,000 |
| University of Ky FCU 1730 ALYSHEBA WAY LEXINGTON, KY 40509 |
* | $ 1,252,099,000 | 1 | $ 25,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 365,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 551,902,526,000 | 1 | $ 95,000 |
| Ally Bank CHARLOTTE, NC 28202 |
* | $ 172,820,000,000 | 1 | $ 155,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,342,526,000 | 1 | $ 55,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,306,982,000,000 | 1 | $ 135,000 |
| Citizens Bank of Kentucky, Inc. PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 772,910,000 | 1 | $ 565,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 3,900,713,000 | 1 | $ 55,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 1 | $ 145,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 1 | $ 55,000 |
| Guaranty Home Mortgage Corporation 316 ROBERT ROSE DRIVE NASHVILLE, TN 37129 |
* | $ -1,000 | 1 | $ 25,000 |
The tables below break down 2022 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 2022
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 | 249 | $32,415,000 | $130,000 | $565,000 | $61,000 | $347,000 |
| Refinancing | 20 | $2,070,000 | $103,000 | $375,000 | $81,000 | $190,000 |
| Home Improvement | 19 | $525,000 | $27,000 | $65,000 | $65,000 | $166,000 |
| Cash-out Refinancing | 18 | $2,020,000 | $112,000 | $275,000 | $60,000 | $135,000 |
| Other Purpose | 12 | $590,000 | $49,000 | $165,000 | $75,000 | $190,000 |
| 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 | 284 | $31,960,000 | $112,000 | $385,000 | $63,000 | $347,000 |
| Not Provided | 17 | $2,695,000 | $158,000 | $385,000 | $75,000 | $263,000 |
| Not applicable | 10 | $2,250,000 | $225,000 | $565,000 | $0 | $0 |
| Hispanic | 4 | $420,000 | $105,000 | $165,000 | $39,000 | $72,000 |
| Black or African American | 2 | $260,000 | $130,000 | $165,000 | $69,000 | $79,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $10,000 | $10,000 |
| 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) | 252 | $26,570,000 | $105,000 | $565,000 | $63,000 | $347,000 |
| FHA-insured (Federal Housing Administration) | 39 | $5,845,000 | $149,000 | $375,000 | $63,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 17 | $4,215,000 | $247,000 | $385,000 | $87,000 | $263,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $990,000 | $99,000 | $155,000 | $46,000 | $67,000 |
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 | 123 | $13,825,000 | $112,000 | $385,000 | $52,000 | $288,000 |
| Loan Originated | 92 | $11,180,000 | $121,000 | $565,000 | $79,000 | $347,000 |
| File Closed For Incompleteness | 38 | $3,880,000 | $102,000 | $365,000 | $57,000 | $147,000 |
| Application Withdrawn By Applicant | 34 | $4,570,000 | $134,000 | $385,000 | $70,000 | $263,000 |
| Application Approved But Not Accepted | 18 | $1,990,000 | $110,000 | $265,000 | $64,000 | $129,000 |
| Loan Purchased By The Institution | 10 | $1,930,000 | $193,000 | $385,000 | $45,000 | $53,000 |
| Preapproval Approved but not Accepted | 3 | $245,000 | $81,000 | $95,000 | $62,000 | $72,000 |
| 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 | 194 | $23,230,000 | $119,000 | $385,000 | $71,000 | $347,000 |
| Credit History | 58 | $5,990,000 | $103,000 | $275,000 | $50,000 | $154,000 |
| Debt-To-Income Ratio | 35 | $4,745,000 | $135,000 | $565,000 | $40,000 | $141,000 |
| Unverifiable Information | 10 | $1,160,000 | $116,000 | $385,000 | $82,000 | $288,000 |
| Credit Application Incomplete | 9 | $905,000 | $100,000 | $185,000 | $65,000 | $149,000 |
| Other | 7 | $835,000 | $119,000 | $255,000 | $63,000 | $125,000 |
| Employment History | 2 | $400,000 | $200,000 | $375,000 | $57,000 | $63,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $85,000 | $45,000 | $49,000 |
| Collateral | 1 | $195,000 | $195,000 | $195,000 | $70,000 | $70,000 |
| 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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