Knox County, KY Mortgage Lenders & HMDA Data, 2011
In 2011, lenders reported 1,123 mortgage applications in Knox County, KY totaling $86.3 million, up 24% from 2010. The average application was for $76,000, and applicants reported an average income of $49,000. 40% of applications resulted in an originated loan and 31% were denied. The most active lender was Commercial Bank, with 137 applications, followed by Vanderbilt Mortgage and Finance, Inc and Forcht Bank, N.A..
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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 | 1,123 |
| Total Mortgage Loan Application Amount | $86,291,000 |
| Average Mortgage Loan Application Amount | $76,000 |
| Highest Mortgage Loan Application Amount | $635,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $423,000 |
* 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 |
|---|---|---|---|---|
| Commercial Bank 6710 CUMBERLAND GAP PARKWAY, PO BOX 400 HARROGATE, TN 37752 |
* | $ 848,700,000 | 137 | $ 5,924,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 126 | $ 6,572,000 |
| Forcht Bank, N.A. 2404 SIR BARTON WAY LEXINGTON, KY 40509 |
* | $ 1,051,060,000 | 121 | $ 8,278,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 254,825,730,000 | 102 | $ 7,730,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,147,152,000 | 97 | $ 7,089,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 68 | $ 3,157,000 |
| L&N Federal Credit Union 9265 SMYRNA PARKWAY LOUISVILLE, KY 40229 |
* | $ 661,119,000 | 45 | $ 4,702,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 310,099,589,000 | 30 | $ 1,872,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,104,833,000,000 | 29 | $ 3,123,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,791,060,000,000 | 19 | $ 1,572,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 423,281,000 | 19 | $ 886,000 |
| Allquest Home Mortgage Corpora 6110 PINEMONT DR, STE 220 HOUSTON, TX 77092 |
* | $ 10,000,000 | 18 | $ 2,313,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 130,979,000 | 17 | $ 1,865,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 16 | $ 1,616,000 |
| Ally Bank 2101 REXFORD ROAD, SUITE 350W CHARLOTTE, NC 28211 |
* | $ 77,423,723,000 | 16 | $ 1,628,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 153,341,765,000 | 15 | $ 1,795,000 |
| First State Bank of the Southeast OAK RIDGE, TN 37830 |
* | $ 412,580,000 | 14 | $ 2,667,000 |
| Onemain Financial, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 14 | $ 722,000 |
| Gmac Mortgage, LLC 1100 VIRGINIA DRIVE FT. WASHINGTON, PA 19034 |
* | $ 31,000,000 | 13 | $ 1,367,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,454,050,584,000 | 12 | $ 1,509,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 247,938,000 | 12 | $ 1,505,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,919,054,000 | 11 | $ 615,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 48,783,813,000 | 10 | $ 989,000 |
| Fifth Third Mortgage Company 5001 KINGSLEY DRIVE MD 1MOB2W CINCINNATI, OH 45227 |
* | $ 108,971,662,000 | 9 | $ 672,000 |
| Citifinancial Services, Inc. 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 1,856,646,000,000 | 9 | $ 442,000 |
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,587,678,000 | 7 | $ 250,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 12,648,357,000 | 6 | $ 757,000 |
| Home Loan Center, Inc. 11115 RUSHMORE DRIVE CHARLOTTE, NC 28277 |
* | $ 10,000,000 | 6 | $ 843,000 |
| Wells Fargo Funding, Inc 100 N MAIN STREEET MAC D4001-063 WINSTON-SALEM, NC 27150 |
* | $ 25,457,000 | 5 | $ 483,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 318,387,000 | 5 | $ 536,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 126,719,736,000 | 4 | $ 439,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ 10,000,000 | 4 | $ 419,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 4 | $ 690,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ 31,000,000 | 3 | $ 415,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 3 | $ 555,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 3 | $ 324,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ 10,000,000 | 3 | $ 575,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ 10,000,000 | 3 | $ 268,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 3 | $ 335,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ 10,000,000 | 3 | $ 509,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 3 | $ 227,000 |
| Onemain Financial Servi 300 ST. PAUL PLACE BALTIMORE, MD 21202 |
* | $ 0 | 3 | $ 40,000 |
| Nationwide Bank ONE NATIONWIDE PLAZA COLUMBUS, OH 43215 |
* | $ 3,942,789,000 | 3 | $ 45,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 880,217,000 | 3 | $ 390,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 2 | $ 240,000 |
| First Liberty Financial Group 9520 ORMSBY STATION RD SUITE 20 LOUISVILLE, KY 40223 |
* | $ 1,000,000,000 | 2 | $ 291,000 |
| Customers Bank 99 BRIDGE STREET PHOENIXVILLE, PA 19460 |
* | $ 1,374,407,000 | 2 | $ 120,000 |
| Crescent Mortgage Company 5901 PEACHTREE DUNWOODY RD NE BLG C, 250 ATLANTA, GA 30328 |
* | $ 931,141,000 | 2 | $ 298,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 14,796,328,000 | 2 | $ 266,000 |
| Citizens Nb of Paintsville PO BOX 1488 PAINTSVILLE, KY 41240 |
* | $ 577,869,000 | 2 | $ 61,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 190,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ 1,000,000,000 | 2 | $ 189,000 |
| Homeowners Mortgage of America 100 GALLERIA PARKWAY STE 1400 ATLANTA, GA 30339 |
* | $ 10,000,000 | 2 | $ 261,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 2 | $ 56,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 269,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 2 | $ 183,000 |
| The Mortgage Outlet, Inc. 1800 SANDY PLAINS PKWY. SUITE 304 MARIETTA, GA 30066 |
* | $ 10,000,000 | 1 | $ 145,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ 10,000,000 | 1 | $ 116,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ 10,000,000 | 1 | $ 150,000 |
| First Residential Mortgage 9721 ORMSBY STATION RD. LOUISVILLE, KY 40223 |
* | $ 10,000,000 | 1 | $ 148,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ 10,000,000 | 1 | $ 116,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ 10,000,000 | 1 | $ 147,000 |
| PHH Home Loans, LLC 1 MORTGAGE WAY 2ND FLOOR MT LAUREL, NJ 08054 |
* | $ 4,597,939,000 | 1 | $ 112,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 1 | $ 90,000 |
| Allied Home Mtg Capital Corp 6110 PINEMONT DR., STE. 215 HOUSTON, TX 77092 |
* | $ 10,000,000 | 1 | $ 107,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD, SUITE 400 BRENTWOOD, TN 37027 |
* | $ 10,000,000 | 1 | $ 98,000 |
| American Equity Mortgage, Inc. 11933 WESTLINE INDUSTRIAL DRIVE SAINT LOUIS, MO 63146 |
* | $ 10,000,000 | 1 | $ 76,000 |
| Provident Funding Associates 1235 NORTH DUTTON AVE STE E SANTA ROSA, CA 95401 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Michigan Mutual, Inc 911 MILITARY STREET PORT HURON, MI 48060 |
* | $ 35,000,000,000 | 1 | $ 86,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ 242,587,000 | 1 | $ 149,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 52,799,993,000 | 1 | $ 63,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 12,522,585,000 | 1 | $ 45,000 |
| Merrill Lynch Credit Corp 30930 RUSSELL RANCH RD CA6-916-01-14 WESTLAKE VILLAGE, CA 91362 |
* | $ 2,223,299,000 | 1 | $ 55,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 148,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 1 | $ 98,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 44,423,207,000 | 1 | $ 127,000 |
| Access National Mortgage Corp 1800 ROBERT FULTON DR, SUITE 350 RESTON, VA 20191 |
* | $ 10,000,000 | 1 | $ 163,000 |
| Cole Taylor Bank 9550 W HIGGINS RAOD ROSEMONT, IL 60018 |
* | $ 4,469,196,000 | 1 | $ 202,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 650,594,000 | 1 | $ 79,000 |
| Lendmark Financial Services 223 W NASH ST WILSON, NC 27893 |
* | $ 43,592,768,000 | 1 | $ 18,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 3,217,801,000 | 1 | $ 12,000 |
| American Bank 9001 EDMONSTON ROAD SUITE 100 GREENBELT, MD 20770 |
* | $ 555,205,000 | 1 | $ 60,000 |
| Colorado Federal Savings Bank8 400 EAST PRENTICE AVE, SUITE 840 GREENWOOD VILLAGE, CO 80111 |
* | $ 703,619,000 | 1 | $ 31,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ 39,000,000 | 1 | $ 51,000 |
| Parkside Credit Union 36525 PLYMOUTH RD LIVONIA, MI 48150 |
* | $ 64,304,000 | 1 | $ 5,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 213,864,000 | 1 | $ 480,000 |
| First Choice Bank 669 WHITEHEAD ROAD LAWRENCEVILLE, NJ 08648 |
* | $ 448,171,000 | 1 | $ 146,000 |
The tables below break down 2011 mortgage applications in Knox 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 Knox County, KY in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 505 | $50,350,000 | $99,000 | $635,000 | $54,000 | $390,000 |
| Home Purchase | 454 | $31,903,000 | $70,000 | $388,000 | $43,000 | $251,000 |
| Home Improvement | 164 | $4,038,000 | $24,000 | $200,000 | $46,000 | $423,000 |
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 | 1,002 | $75,622,000 | $75,000 | $635,000 | $51,000 | $423,000 |
| Not applicable | 53 | $5,505,000 | $103,000 | $262,000 | $13,000 | $131,000 |
| Not Provided | 49 | $4,058,000 | $82,000 | $213,000 | $44,000 | $120,000 |
| Hispanic | 6 | $361,000 | $60,000 | $118,000 | $35,000 | $90,000 |
| American Indian or Alaskan Native | 5 | $346,000 | $69,000 | $88,000 | $19,000 | $72,000 |
| Asian | 4 | $179,000 | $44,000 | $87,000 | $19,000 | $30,000 |
| Black or African American | 3 | $131,000 | $43,000 | $88,000 | $33,000 | $55,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $89,000 | $89,000 | $89,000 | $97,000 | $97,000 |
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) | 940 | $66,627,000 | $70,000 | $635,000 | $50,000 | $423,000 |
| FHA-insured (Federal Housing Administration) | 103 | $10,705,000 | $103,000 | $227,000 | $39,000 | $185,000 |
| VA-guaranteed (Veterans Administration) | 43 | $5,253,000 | $122,000 | $265,000 | $46,000 | $116,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 37 | $3,706,000 | $100,000 | $215,000 | $32,000 | $61,000 |
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 | 448 | $35,707,000 | $79,000 | $635,000 | $60,000 | $423,000 |
| Application Denied By Financial Institution | 348 | $22,635,000 | $65,000 | $480,000 | $40,000 | $185,000 |
| Application Approved But Not Accepted | 121 | $7,965,000 | $65,000 | $256,000 | $46,000 | $208,000 |
| Loan Purchased By The Institution | 98 | $10,134,000 | $103,000 | $265,000 | $28,000 | $131,000 |
| Application Withdrawn By Applicant | 91 | $8,324,000 | $91,000 | $388,000 | $51,000 | $190,000 |
| File Closed For Incompleteness | 17 | $1,526,000 | $89,000 | $213,000 | $48,000 | $118,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 130 | $6,559,000 | $50,000 | $259,000 | $37,000 | $144,000 |
| Debt-To-Income Ratio | 40 | $2,936,000 | $73,000 | $315,000 | $33,000 | $143,000 |
| Collateral | 26 | $1,952,000 | $75,000 | $227,000 | $54,000 | $156,000 |
| Credit Application Incomplete | 20 | $1,652,000 | $82,000 | $300,000 | $57,000 | $159,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $1,077,000 | $76,000 | $156,000 | $62,000 | $111,000 |
| Other | 8 | $882,000 | $110,000 | $361,000 | $66,000 | $185,000 |
| Employment History | 5 | $345,000 | $69,000 | $165,000 | $37,000 | $76,000 |
| Unverifiable Information | 3 | $242,000 | $80,000 | $116,000 | $33,000 | $45,000 |
| 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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