Powell County, KY Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 502 mortgage applications in Powell County, KY totaling $63.6 million, down 19% from 2021. The average application was for $126,000, and applicants reported an average income of $76,000. 49% of applications resulted in an originated loan and 22% were denied. The most active lender was Whitaker Bank Inc, with 56 applications, followed by Vanderbilt Mortgage and Finance, Inc and Peoples Exchange 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 502
Total Mortgage Loan Application Amount $63,580,000
Average Mortgage Loan Application Amount $126,000
Highest Mortgage Loan Application Amount $1,065,000
Average Applicant Income $76,000
Highest Applicant Income $2,712,000

Mortgage Company List for Lending in Powell County, KY for 2022

* 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
* $ 2,063,401,000 56 $ 5,500,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 53 $ 5,265,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 505,600,000 21 $ 2,035,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 18 $ 2,090,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 547,610,000 16 $ 1,900,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 13 $ 1,845,000
Finance of America Mortgage LLC
300 WELSH ROAD BUILDING 5
WILMINGTON, DE 19044
* $ -1,000 12 $ 1,850,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 12 $ 2,320,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 11 $ 1,715,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 9 $ 2,045,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 9 $ 1,035,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 3,890,954,000 9 $ 705,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,310,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 8 $ 1,360,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 8 $ 1,270,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 1,663,066,000 8 $ 850,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 1,252,099,000 7 $ 395,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 7 $ 1,005,000
Mortgage Suppliers, Inc.
8771 ROCKWELL RD.
WINCHESTER, KY 40391
* $ -1,000 7 $ 1,065,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 5,384,484,000 7 $ 845,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 6 $ 690,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 5 $ 865,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 475,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 565,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 5 $ 655,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 515,326,000 5 $ 155,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 5 $ 865,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 5 $ 735,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 5 $ 885,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 188,069,637,000 5 $ 705,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,655,190,000 4 $ 500,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,582,271,000 4 $ 580,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 4 $ 400,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 4 $ 270,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 6,639,234,000 4 $ 200,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,726,840,000 4 $ 630,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 4 $ 170,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 3 $ 565,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 3 $ 445,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 385,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 3 $ 445,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 209,696,785,000 3 $ 475,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 3 $ 565,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 3 $ 295,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 3 $ 215,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 3 $ 395,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 320,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 230,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 2 $ 240,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 390,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 2 $ 120,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 410,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 310,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 2 $ 250,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 390,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 154,617,469,000 1 $ 175,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 724,587,000 1 $ 445,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 2,826,831,000 1 $ 175,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 195,000
First Premier Bank
400 S SYCAMORE AVE, SUITE 101
SIOUX FALLS, SD 57104
* $ 2,889,083,000 1 $ 45,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 173,414,362,000 1 $ 85,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 235,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 135,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ -1,000 1 $ 55,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 85,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 32,127,026,000 1 $ 65,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 1 $ 85,000
First Southern National Bank
99 LANCASTER STREET
STANFORD, KY 40484
* $ 1,180,778,000 1 $ 135,000
Peoples Bank
PO BOX 7
MENDENHALL, MS 39114
* $ 431,628,000 1 $ 185,000
Keller Mortgage, LLC

AUSTIN, TX 78746
* $ -1,000 1 $ 95,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 145,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 145,000
Unify Financial Federal Credit Union
1899 WESTERN WAY
ALLEN, TX 75013
* $ 3,590,117,000 1 $ 25,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 145,000
Bay Equity LLC

DETROIT, MI 48226
* $ -1,000 1 $ 145,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ 2,190,390,000 1 $ 55,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 872,778,000 1 $ 285,000
Wesbanco Bank, Inc.
1 BANK PLAZA
WHEELING, WV 26003
* $ 16,878,802,000 1 $ 255,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 285,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 1 $ 85,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 125,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 115,000
Park Community Credit Union
2515 BLANKENBAKER PARKWAY
LOUISVILLE, KY 40299
* $ 1,189,715,000 1 $ 75,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 1 $ 55,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 1 $ 105,000
Kemba Credit Union
8763 UNION CENTRE BLVD
WEST CHESTER, OH 45069
* $ 1,402,858,000 1 $ 55,000
Guardian Savings Bank
6100 WEST CHESTER RD
WEST CHESTER, OH 45069
* $ 1,133,661,000 1 $ 205,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 117,378,701,000 1 $ 215,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 1 $ 125,000
Mercantile Bank
310 LEONARD STREET NORTH WEST
GRAND RAPIDS, MI 49504
* $ 5,238,290,000 1 $ 305,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ -1,000 1 $ 85,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 115,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,509,253,000 1 $ 125,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 135,000
Bethpage Federal Credit Union
899 SOUTH OYSTER BAY ROAD
BETHPAGE, NY 11714
* $ 11,474,358,000 1 $ 15,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 174,662,000 1 $ 225,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 115,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 1 $ 245,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 1 $ 195,000
First National Bank of Grayson
200 CAROL MALONE BLVD
GRAYSON, KY 41143
* $ 332,114,000 1 $ 45,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 175,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 1 $ 195,000
Nations Direct Mortgage, LLC
2475 VILLAGE VIEW DRIVE SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 185,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 1,895,919,000 1 $ 25,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 115,000

The tables below break down 2022 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 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 279 $38,825,000 $139,000 $455,000 $78,000 $2,712,000
Cash-out Refinancing 99 $13,605,000 $137,000 $375,000 $70,000 $146,000
Refinancing 71 $8,225,000 $115,000 $1,065,000 $77,000 $371,000
Other Purpose 28 $1,560,000 $55,000 $305,000 $72,000 $219,000
Home Improvement 22 $1,070,000 $48,000 $105,000 $70,000 $205,000
Not Applicable 3 $295,000 $98,000 $215,000 $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 411 $50,185,000 $122,000 $455,000 $76,000 $2,712,000
Not Provided 46 $6,570,000 $142,000 $1,065,000 $78,000 $371,000
Not applicable 32 $5,260,000 $164,000 $445,000 $0 $0
Black or African American 6 $650,000 $108,000 $175,000 $48,000 $103,000
Hispanic 3 $405,000 $135,000 $175,000 $54,000 $73,000
American Indian or Alaskan Native 3 $385,000 $128,000 $195,000 $41,000 $50,000
Asian 1 $125,000 $125,000 $125,000 $121,000 $121,000
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) 347 $40,055,000 $115,000 $1,065,000 $81,000 $2,712,000
FHA-insured (Federal Housing Administration) 90 $12,650,000 $140,000 $295,000 $59,000 $135,000
VA-guaranteed (Veterans Administration) 36 $6,840,000 $190,000 $375,000 $80,000 $184,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 29 $4,035,000 $139,000 $215,000 $52,000 $99,000

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 245 $31,415,000 $128,000 $1,065,000 $74,000 $371,000
Application Denied By Financial Institution 110 $11,820,000 $107,000 $305,000 $61,000 $375,000
Application Withdrawn By Applicant 66 $9,520,000 $144,000 $375,000 $116,000 $2,712,000
File Closed For Incompleteness 38 $4,370,000 $115,000 $265,000 $62,000 $161,000
Loan Purchased By The Institution 30 $4,770,000 $159,000 $285,000 $55,000 $72,000
Application Approved But Not Accepted 11 $1,295,000 $117,000 $335,000 $66,000 $143,000
Preapproval Approved but not Accepted 2 $390,000 $195,000 $265,000 $67,000 $87,000
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 381 $50,735,000 $133,000 $1,065,000 $71,000 $371,000
Credit History 55 $4,915,000 $89,000 $305,000 $61,000 $375,000
Debt-To-Income Ratio 29 $3,345,000 $115,000 $305,000 $171,000 $2,712,000
Collateral 14 $1,870,000 $133,000 $305,000 $86,000 $219,000
Unverifiable Information 10 $1,230,000 $123,000 $215,000 $60,000 $99,000
Other 6 $610,000 $101,000 $195,000 $49,000 $75,000
Credit Application Incomplete 5 $565,000 $113,000 $165,000 $64,000 $135,000
Employment History 1 $95,000 $95,000 $95,000 $31,000 $31,000
Insufficient Cash (Downpayment, Closing Cost) 1 $215,000 $215,000 $215,000 $64,000 $64,000
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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