Powell County, KY Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 513 mortgage applications in Powell County, KY totaling $72.2 million, up 2% from 2022. The average application was for $140,000, and applicants reported an average income of $77,000. 39% of applications resulted in an originated loan and 24% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 98 applications, followed by Whitaker Bank Inc and PennyMac Loan Services LLC.

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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 513
Total Mortgage Loan Application Amount $72,245,000
Average Mortgage Loan Application Amount $140,000
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $77,000
Highest Applicant Income $806,000

Mortgage Company List for Lending in Powell County, KY for 2023

* 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 98 $ 11,190,000
Whitaker Bank Inc
PO BOX 55439
LEXINGTON, KY 40505
* $ 2,018,525,000 45 $ 4,685,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 20 $ 3,270,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 18 $ 1,970,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,601,623,000 17 $ 1,645,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 15 $ 2,075,000
Peoples Exchange Bank
PO BOX 4040
WINCHESTER, KY 40932
* $ 523,769,000 15 $ 1,875,000
Traditional Bank Inc
49 W MAIN STREET
MT STERLING, KY 40353
* $ 2,145,608,000 14 $ 4,140,000
Commonwealth Federal Credit Union
P.O. BOX 978
FRANKFORT, KY 40601
* $ 2,031,410,000 11 $ 1,045,000
Community Trust Bank, Inc.
346 NORTH MAYO TRAIL
PIKEVILLE, KY 41502
* $ 5,351,295,000 11 $ 1,695,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 11 $ 1,745,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 965,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 9 $ 1,705,000
Central Bank & Trust Co
PO BOX 1360
LEXINGTON, KY 40588
* $ 3,821,266,000 8 $ 830,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 8 $ 1,950,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 7 $ 1,335,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 7 $ 785,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 4,401,730,000 6 $ 1,650,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 6 $ 480,000
Republic State Mortgage Company
815 HAWTHORNE STREET
HOUSTON, TX 77006
* $ -1,000 5 $ 755,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 5 $ 415,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 5 $ 655,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 5 $ 405,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 5 $ 485,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 5 $ 915,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 480,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 4 $ 600,000
University of Ky FCU
1730 ALYSHEBA WAY
LEXINGTON, KY 40509
* $ 1,409,134,000 4 $ 410,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ 12,826,414,000 4 $ 580,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 3 $ 285,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 3 $ 355,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 3 $ 565,000
Cumberland Valley National Bank & Trust Co
PO BOX 709
LONDON, KY 40743
* $ 698,088,000 3 $ 575,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 3 $ 425,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 3 $ 335,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 3 $ 515,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 3 $ 525,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 3 $ 395,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 3 $ 325,000
Stock Yards Bank & Trust Company
1040 EAST MAIN STREET
LOUISVILLE, KY 40223
* $ 7,488,838,000 3 $ 105,000
Peoples Bank
138 PUTNAM STREET
MARIETTA, OH 45750
* $ 7,197,574,000 3 $ 335,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 3 $ 315,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 16,995,485,000 3 $ 355,000
Goprime Mortgage, Inc.
320 N SALEM STREET
APEX, NC 27502
* $ -1,000 2 $ 380,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 220,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ 3,141,703,000 2 $ 90,000
General Electric Credit Union
10485 READING RD
CINCINNATI, OH 45242
* $ 4,684,875,000 2 $ 560,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 2 $ 300,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 2 $ 830,000
Amwest Funding Corp
6 POINTE DRIVE, SUITE 300
BREA, CA 92821
* $ -1,000 2 $ 640,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 2 $ 420,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 350,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 2 $ 280,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 607,818,000 2 $ 90,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 2 $ 360,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 2 $ 260,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 2 $ 200,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 2 $ 250,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ -1,000 2 $ 140,000
Atlantic Bay Mortgage Group
596 LYNNHAVEN PARKWAY SUITE 200
VIRGINIA BEACH, VA 23452
* $ -1,000 2 $ 180,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 1 $ 235,000
United Bank of Union
PO BOX 500
UNION, MO 63084
* $ 481,509,000 1 $ 215,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,307,068,000 1 $ 255,000
General Mortgage Capital Corporation
1350 OLD BAYSHORE HWY
BURLINGAME, CA 94010
* $ -1,000 1 $ 205,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 115,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 1 $ 165,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 1 $ 185,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ 977,048,000 1 $ 265,000
Riverhills Bank
553 CHAMBER DRIVE
MILFORD, OH 45150
* $ 324,718,000 1 $ 245,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 1 $ 135,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ -1,000 1 $ 115,000
Ark-La-Tex Financial Services LLC
5160 TENNYSON PKWY STE 1000
PLANO, TX 75024
* $ -1,000 1 $ 175,000
Arc Home LLC

MOORESTOWN, NJ 08057
* $ -1,000 1 $ 285,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 385,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,825,549,000 1 $ 165,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 135,000
Citibank, NA

NEW YORK, NY 10012
* $ 1,766,752,000,000 1 $ 265,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 1 $ 185,000
L&N Federal Credit Union
9265 SMYRNA PARKWAY
LOUISVILLE, KY 40229
* $ 1,925,697,000 1 $ 85,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ -1,000 1 $ 185,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 34,681,050,000 1 $ 45,000
Western Ohio Mortgage Corp
733 FAIR RD
SIDNEY, OH 45365
* $ -1,000 1 $ 295,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 1 $ 175,000
Forcht Bank, N.A.
2404 SIR BARTON WAY
LEXINGTON, KY 40509
* $ 1,501,392,000 1 $ 255,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 325,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 255,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 110,900,000,000 1 $ 135,000
Csl Financial, LLC
500 OFFICE PARK DRIVE SUITE 310
BIRMINGHAM, AL 35223
* $ -1,000 1 $ 175,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 1 $ 285,000
Members Heritage CU
440 PARK PLACE
LEXINGTON, KY 40511
* $ 509,066,000 1 $ 125,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ -1,000 1 $ 205,000
City National Bank of Wv
25 GATEWATER ROAD
CROSS LANES, WV 25313
* $ 5,832,156,000 1 $ 15,000
Abound Federal Credit Union
3939 S. DIXIE BLVD
RADCLIFF, KY 40160
* $ 2,104,193,000 1 $ 125,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 155,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ -1,000 1 $ 285,000
Amerant Mortgage LLC
226 N KENTUCKY AVE
LAKELAND, FL, FL 33801
* $ -1,000 1 $ 145,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 305,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ -1,000 1 $ 255,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ -1,000 1 $ 155,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 379,838,000 1 $ 25,000
NFM, Inc
1190 WINTERSON ROAD, SUITE 300
LINTHICUM, MD 21090
* $ -1,000 1 $ 205,000

The tables below break down 2023 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 2023

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 345 $55,165,000 $159,000 $3,005,000 $79,000 $806,000
Cash-out Refinancing 61 $8,065,000 $132,000 $485,000 $71,000 $423,000
Refinancing 44 $4,390,000 $99,000 $345,000 $69,000 $252,000
Other Purpose 37 $3,105,000 $83,000 $285,000 $71,000 $255,000
Home Improvement 24 $1,440,000 $60,000 $135,000 $79,000 $322,000
Not Applicable 2 $80,000 $40,000 $45,000 $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 420 $53,760,000 $128,000 $485,000 $76,000 $806,000
Not applicable 37 $9,935,000 $268,000 $3,005,000 $69,000 $69,000
Not Provided 34 $5,290,000 $155,000 $455,000 $85,000 $346,000
Black or African American 8 $750,000 $93,000 $205,000 $59,000 $162,000
Hispanic 7 $1,085,000 $155,000 $255,000 $70,000 $106,000
American Indian or Alaskan Native 5 $855,000 $171,000 $345,000 $66,000 $78,000
Asian 2 $570,000 $285,000 $365,000 $245,000 $411,000
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) 352 $45,300,000 $128,000 $3,005,000 $80,000 $806,000
FHA-insured (Federal Housing Administration) 98 $15,750,000 $160,000 $445,000 $63,000 $159,000
VA-guaranteed (Veterans Administration) 49 $9,185,000 $187,000 $485,000 $84,000 $214,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 14 $2,010,000 $143,000 $225,000 $54,000 $82,000

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 202 $32,820,000 $162,000 $3,005,000 $88,000 $423,000
Application Denied By Financial Institution 123 $14,165,000 $115,000 $345,000 $63,000 $322,000
Application Withdrawn By Applicant 77 $10,205,000 $132,000 $485,000 $89,000 $806,000
File Closed For Incompleteness 63 $7,405,000 $117,000 $445,000 $53,000 $156,000
Loan Purchased By The Institution 32 $5,630,000 $175,000 $385,000 $81,000 $112,000
Application Approved But Not Accepted 16 $2,020,000 $126,000 $285,000 $80,000 $141,000
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 388 $57,880,000 $149,000 $3,005,000 $81,000 $806,000
Credit History 55 $6,145,000 $111,000 $295,000 $68,000 $255,000
Debt-To-Income Ratio 25 $2,935,000 $117,000 $255,000 $52,000 $179,000
Unverifiable Information 19 $2,475,000 $130,000 $345,000 $50,000 $85,000
Collateral 15 $1,785,000 $119,000 $255,000 $60,000 $135,000
Credit Application Incomplete 5 $425,000 $85,000 $135,000 $116,000 $322,000
Other 4 $380,000 $95,000 $165,000 $57,000 $94,000
Employment History 1 $135,000 $135,000 $135,000 $43,000 $43,000
Insufficient Cash (Downpayment, Closing Cost) 1 $85,000 $85,000 $85,000 $75,000 $75,000
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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