Largest lenders in Knott County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 92 | 11 | 38.0% | 10.25% |
| 2 | Community Trust Bank | B | 45 | 26 | 22.2% | 6.38% |
| 3 | 21st Mortgage | F | 36 | 7 | 44.4% | 9.47% |
| 4 | Credit Human Federal Credit Union | D | 30 | 0 | 100.0% | — |
| 5 | Triad Financial Services | D | 22 | 0 | 72.7% | — |
| 6 | U.S. Bank | D | 12 | 4 | 50.0% | 6.44% |
| 7 | Stockton Mortgage | D | 7 | 3 | 28.6% | 7.25% |
| 8 | United Shore Financial Services | B | 7 | 5 | 0.0% | 6.43% |
| 9 | Rocket Mortgage | C | 7 | 4 | 28.6% | 7.00% |
| 10 | FirstBank | C | 6 | 0 | 83.3% | — |
| 11 | Commonwealth | C | 5 | 1 | 20.0% | 8.25% |
Best approval odds in Knott County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 50 | 70.0% |
What Knott County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Knott County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 307 | 74 | 42.4% | 7.20% | $105,000 |
| 2024 | 296 | 93 | 36.8% | 6.75% | $115,000 |
| 2025 | 317 | 77 | 42.0% | 6.99% | $125,000 |
Frequently asked questions
42.0% of applications in Knott County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 92 applications in 2025 and a denial rate of 38.0%.
The median mortgage application in Knott County in 2025 was for $125,000; the median property value on originated loans was $165,000.