Knott County
Kentucky · FIPS 21119
According to CFPB HMDA 2024 application volume among U.S. counties, Knott County ranks #2,341 of 3,210, and #95 of 120 in Kentucky.
Mortgage lending activity in Knott County, Kentucky based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Knott County, Kentucky saw 308 HMDA-reported mortgage applications in 2024. Lenders originated 93 of those loans and denied 109, producing a denial rate of 35.4% and an approval (origination) rate of 30.2%. The average loan amount was $126,948 at an average note rate of 7.34%, with applicants self-reporting average annual income of $38K. 32 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.3x, meaning typical borrowers took on mortgages of about 3.3 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Knott County
In Knott County, lead originator Community Trust Bank, Inc. funded 28.0% of 93 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 45.2% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Knott County's 308 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Knott County's $126,948 average loan (deduped against volume peers).
Lenders active in Knott County
Community Trust Bank, Inc. funded 26 of the 93 loans originated in Knott County, 28.0% of the county. 32 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Community Trust Bank, Inc. | 26 | 28.0% |
| 2 | Rocket Mortgage | 8 | 8.6% |
| 3 | Vanderbilt Mortgage and Finance, INC | 8 | 8.6% |
| 4 | Us Bank, N.A. | 6 | 6.5% |
| 5 | United Wholesale Mortgage | 6 | 6.5% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Knott County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Knott County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.