Powell County, KY Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 414 mortgage applications in Powell County, KY totaling $38.6 million, down 23% from 2016. The average application was for $93,000, and applicants reported an average income of $53,000. 52% of applications resulted in an originated loan and 21% were denied. The most active lender was Whitaker Bank Inc, with 78 applications, followed by Vanderbilt Mortgage and Finance, Inc and Peoples Exchange Bank.
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 | 414 |
| Total Mortgage Loan Application Amount | $38,554,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $1,185,000 |
* 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 |
|---|---|---|---|---|
| Whitaker Bank Inc PO BOX 55439 LEXINGTON, KY 40505 |
* | $ 1,328,334,000 | 78 | $ 5,195,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 42 | $ 3,035,000 |
| Peoples Exchange Bank PO BOX 4040 WINCHESTER, KY 40932 |
* | $ 351,190,000 | 40 | $ 2,791,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 11 | $ 1,237,000 |
| Republic State Mortgage Company 815 HAWTHORNE STREET HOUSTON, TX 77006 |
* | $ -1,000 | 11 | $ 1,123,000 |
| Traditional Bank Inc 49 W MAIN STREET MT STERLING, KY 40353 |
* | $ 1,360,692,000 | 8 | $ 704,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 441,010,095,000 | 8 | $ 962,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 7 | $ 1,076,000 |
| Mortgage Suppliers, Inc. 8771 ROCKWELL RD. WINCHESTER, KY 40391 |
* | $ -1,000 | 7 | $ 594,000 |
| Central Bank & Trust Co PO BOX 1360 LEXINGTON, KY 40588 |
* | $ 2,134,899,000 | 7 | $ 740,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 7 | $ 509,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,883,786,000 | 6 | $ 467,000 |
| Community Trust Bank, Inc. 346 NORTH MAYO TRAIL PIKEVILLE, KY 41502 |
* | $ 3,909,916,000 | 6 | $ 290,000 |
| Guaranty Trust Company 316 ROBERT ROSE DRIVE MURFREESBORO, TN 37129 |
* | $ -1,000 | 6 | $ 851,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 317,715,000 | 6 | $ 807,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 483,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 5 | $ 704,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 5 | $ 504,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,082,803,000,000 | 5 | $ 516,000 |
| Partners 1st Federal Credit Union 1330 DIRECTORS ROW FORT WAYNE, IN 46808 |
* | $ 275,271,000 | 5 | $ 227,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 492,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 214,433,035,000 | 4 | $ 414,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 4 | $ 520,000 |
| Plaza Home Mortgage, Inc 4820 EASTGATE MALL, STE 100 SAN DIEGO, CA 92121 |
* | $ -1,000 | 4 | $ 604,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 4 | $ 305,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 4 | $ 397,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 347,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,980,496,000 | 3 | $ 507,000 |
| SWBC Mortgage Corporation 9311 SAN PEDRO AVENUE STE 100 SAN ANTONIO, TX 78216 |
* | $ -1,000 | 3 | $ 422,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 3 | $ 246,000 |
| Kentucky Bank 401 MAIN STREET PARIS, KY 40361 |
* | $ 1,025,918,000 | 3 | $ 271,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 3 | $ 207,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 271,000 |
| Suntrust Mortgage, Inc. 901 SEMMES AVENUE RICHMOND, VA 23224 |
* | $ -1,000 | 3 | $ 247,000 |
| Cumberland Valley National Bank & Trust Co PO BOX 709 LONDON, KY 40743 |
* | $ 432,219,000 | 2 | $ 134,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 3,275,430,000 | 2 | $ 278,000 |
| Park Community Credit Union 2515 BLANKENBAKER PARKWAY LOUISVILLE, KY 40299 |
* | $ 790,445,000 | 2 | $ 310,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 2 | $ 188,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 2 | $ 147,000 |
| Bridgeview Bank Group 7940 S HARLEM BRIDGEVIEW, IL 60455 |
* | $ 1,095,554,000 | 2 | $ 675,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 223,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 174,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 2 | $ 433,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 184,000 |
| Ark-La-Tex Financial Services LLC 5160 TENNYSON PKWY STE 1000 PLANO, TX 75024 |
* | $ -1,000 | 2 | $ 157,000 |
| Commonwealth Federal Credit Union P.O. BOX 978 FRANKFORT, KY 40601 |
* | $ 1,128,592,000 | 2 | $ 98,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 2 | $ 132,000 |
| First Southern Bank 300 TOWER SQUARE PLAZA MARION, IL 62959 |
* | $ 669,149,000 | 1 | $ 62,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 96,000 |
| Western Ohio Mortgage Corporation 733 FAIR RD SIDNEY, OH 45365 |
* | $ -1,000 | 1 | $ 260,000 |
| Stock Yards Bank & Trust Company 1040 EAST MAIN STREET LOUISVILLE, KY 40223 |
* | $ 3,037,007,000 | 1 | $ 132,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 195,406,000 | 1 | $ 69,000 |
| Union Savings Bank 8534 E KEMPER RD CINCINNATI, OH 45249 |
* | $ 2,925,022,000 | 1 | $ 159,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 3,483,848,000 | 1 | $ 61,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 104,000 |
| Sierra Pacific Mortgage Co. Inc 1180 IRON POINT RD, SUITE 200 FOLSOM, CA 95630 |
* | $ -1,000 | 1 | $ 108,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 101,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 475,515,000 | 1 | $ 117,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 77,760,914,000 | 1 | $ 176,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 17,284,293,000 | 1 | $ 92,000 |
| Bokf NA ONE WEST 3RD, 5TH FL TULSA, OK 74172 |
* | $ 32,160,352,000 | 1 | $ 217,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ -1,000 | 1 | $ 80,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 1,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 76,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 1 | $ 130,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 239,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 1 | $ 120,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 148,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 175,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 1 | $ 136,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 18,252,081,000 | 1 | $ 55,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ -1,000 | 1 | $ 65,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ -1,000 | 1 | $ 61,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 299,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 109,000 |
| First Southern National Bank 99 LANCASTER STREET STANFORD, KY 40484 |
* | $ 855,307,000 | 1 | $ 78,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ -1,000 | 1 | $ 79,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 150,000 |
| Goprime Mortgage, Inc. 320 N SALEM STREET APEX, NC 27502 |
* | $ -1,000 | 1 | $ 142,000 |
| Arvest Bank TULSA, OK 74103 |
* | $ 16,686,060,000 | 1 | $ 54,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 1 | $ 15,000 |
| Mortgage Solutions of Colorado 7450 CAMPUS DRIVE SUITE 200 COLORADO SPRINGS, CO 80920 |
* | $ -1,000 | 1 | $ 89,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 77,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 1 | $ 173,000 |
| Empeople Credit Union 3950 38TH AVENUE MOLINE, IL 61265 |
* | $ 832,884,000 | 1 | $ 132,000 |
| Members Heritage CU 440 PARK PLACE LEXINGTON, KY 40511 |
* | $ 369,715,000 | 1 | $ 4,000 |
| The First State Bank PO BOX 295 BARBOURSVILLE, WV 25504 |
* | $ 216,651,000 | 1 | $ 178,000 |
The tables below break down 2017 mortgage applications in Powell 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 Powell County, KY in 2017
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 | 225 | $23,155,000 | $102,000 | $1,500,000 | $56,000 | $1,185,000 |
| Refinancing | 116 | $12,852,000 | $110,000 | $339,000 | $50,000 | $153,000 |
| Home Improvement | 73 | $2,547,000 | $34,000 | $336,000 | $49,000 | $492,000 |
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 | 345 | $30,843,000 | $89,000 | $1,500,000 | $58,000 | $1,185,000 |
| Not applicable | 41 | $4,621,000 | $112,000 | $336,000 | $9,000 | $124,000 |
| Not Provided | 21 | $2,472,000 | $117,000 | $318,000 | $50,000 | $179,000 |
| Hispanic | 4 | $416,000 | $104,000 | $176,000 | $68,000 | $172,000 |
| American Indian or Alaskan Native | 2 | $142,000 | $71,000 | $92,000 | $24,000 | $29,000 |
| Black or African American | 1 | $60,000 | $60,000 | $60,000 | $86,000 | $86,000 |
| 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) | 265 | $21,309,000 | $80,000 | $1,500,000 | $62,000 | $1,185,000 |
| FHA-insured (Federal Housing Administration) | 67 | $7,228,000 | $107,000 | $225,000 | $42,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 46 | $4,702,000 | $102,000 | $260,000 | $27,000 | $84,000 |
| VA-guaranteed (Veterans Administration) | 36 | $5,315,000 | $147,000 | $339,000 | $44,000 | $172,000 |
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 | 216 | $19,861,000 | $91,000 | $1,500,000 | $68,000 | $1,185,000 |
| Application Denied By Financial Institution | 88 | $7,178,000 | $81,000 | $299,000 | $39,000 | $172,000 |
| Loan Purchased By The Institution | 39 | $4,592,000 | $117,000 | $336,000 | $15,000 | $124,000 |
| File Closed For Incompleteness | 30 | $2,606,000 | $86,000 | $239,000 | $46,000 | $155,000 |
| Application Withdrawn By Applicant | 26 | $2,662,000 | $102,000 | $188,000 | $51,000 | $179,000 |
| Application Approved But Not Accepted | 15 | $1,655,000 | $110,000 | $217,000 | $40,000 | $90,000 |
| 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 | 14 | $1,307,000 | $93,000 | $299,000 | $49,000 | $104,000 |
| Collateral | 5 | $564,000 | $112,000 | $176,000 | $66,000 | $172,000 |
| Debt-To-Income Ratio | 4 | $324,000 | $81,000 | $166,000 | $30,000 | $62,000 |
| Credit Application Incomplete | 3 | $319,000 | $106,000 | $127,000 | $41,000 | $56,000 |
| Other | 3 | $418,000 | $139,000 | $260,000 | $62,000 | $84,000 |
| Unverifiable Information | 1 | $61,000 | $61,000 | $61,000 | $32,000 | $32,000 |
| 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