Mortgage lending in Boone County, Kentucky
Lenders in Boone County, Kentucky reported 7,069 mortgage applications for 2025, according to the CFPB.
7,069 mortgage applications and 4,300 loans originated in 2025; the denial rate was 21.3% of 5,774 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cincinnati, OH-KY-IN HUD Metro FMR Area.
- 7,069
- Applications
- 4,300
- Loans originated
- 21.3%
- Denial rate
- 1,227 denied of 5,774 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,069 | 4,300 |
| 2024 | 6,382 | 3,701 |
| 2023 | 5,662 | 3,383 |
| 2022 | 7,746 | 4,693 |
| 2021 | 12,852 | 8,767 |
| 2020 | 12,187 | 8,361 |
| 2019 | 7,955 | 5,343 |
| 2018 | 6,965 | 4,486 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Fifth Third Bank, National Association | 309 | 500 |
| Rocket Mortgage | 259 | 332 |
| Huntington National Bank | 249 | 391 |
| Guardian Savings Bank | 217 | 274 |
| United Wholesale Mortgage | 181 | 243 |
| Victory Mortgage, LLC | 161 | 194 |
| US Bank, N.A. | 152 | 285 |
| First Equity Mortgage Inc | 148 | 257 |
| Union Home Mortgage Corp. | 140 | 190 |
| Stockton Mortgage Corporation | 130 | 177 |
| Crosscountry Mortgage, LLC | 104 | 137 |
| First Financial Bank | 95 | 130 |
| PNC Bank N.A. | 83 | 133 |
| Heritage Bank, INC | 81 | 108 |
| German American Bank | 71 | 90 |
| Freedom Mortgage Corporation | 61 | 118 |
| Truist Bank | 61 | 119 |
| Pennymac Loan Services LLC | 60 | 95 |
| Third Federal Savings and Loan | 59 | 91 |
| NFM, Inc | 55 | 69 |
| General Electric Credit Union | 55 | 86 |
| JPMorgan Chase Bank, NA | 55 | 80 |
| Guaranteed Rate, Inc. | 51 | 79 |
| Union Savings Bank | 48 | 57 |
| Prosperity Home Mortgage, LLC | 47 | 67 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 32 | no rate: base under 50 |
| Asian | 235 | 20.0% of 180 decided |
| Black or African American | 185 | 28.4% of 155 decided |
| Native Hawaiian or Other Pacific Islander | 15 | no rate: base under 50 |
| White | 5,528 | 20.2% of 4,574 decided |
| 2 or more minority races | under 10 | |
| Joint | 130 | 21.8% of 101 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 935 | 25.1% of 720 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 332 | 26.7% of 255 decided |
| Not Hispanic or Latino | 5,655 | 20.1% of 4,669 decided |
| Joint | withheld | |
| Ethnicity Not Available | 997 | 25.0% of 777 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,513 | 22.7% of 2,044 decided |
| Female | 1,344 | 26.8% of 1,088 decided |
| Joint | 2,687 | 16.5% of 2,239 decided |
| Sex Not Available | 525 | 25.3% of 403 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 883 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved