Mortgage lending in Bourbon County, Kentucky
Lenders in Bourbon County, Kentucky reported 800 mortgage applications for 2025, according to the CFPB.
800 mortgage applications and 438 loans originated in 2025; the denial rate was 28.1% of 647 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lexington-Fayette, KY MSA.
- 800
- Applications
- 438
- Loans originated
- 28.1%
- Denial rate
- 182 denied of 647 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 800 | 438 |
| 2024 | 650 | 382 |
| 2023 | 656 | 355 |
| 2022 | 816 | 514 |
| 2021 | 1,031 | 661 |
| 2020 | 923 | 582 |
| 2019 | 744 | 456 |
| 2018 | 593 | 343 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Traditional Bank Inc | 56 | 71 |
| Stock Yards Bank & Trust Company | 44 | 73 |
| Rocket Mortgage | 27 | 39 |
| Commonwealth Federal Credit Union | 26 | 37 |
| Fifth Third Bank, National Association | 21 | 51 |
| Stockton Mortgage Corporation | 14 | 20 |
| University of KY Fcu | 14 | 39 |
| Community Trust Bank, Inc. | 12 | 17 |
| United Wholesale Mortgage | 12 | 18 |
| Ark-LA-Tex Financial Services LLC | 11 | 13 |
| Farm Credit Mid-America, Aca | 7 | 8 |
| Central Bank & Trust Co | 7 | 9 |
| The Home Savings and Loan Company of Kenton, Ohio | 7 | 8 |
| Members Heritage CU | 7 | 10 |
| Guardian Savings Bank | 6 | 7 |
| T2 Financial LLC | 6 | 8 |
| US Bank, N.A. | 6 | 10 |
| Vanderbilt Mortgage and Finance, Inc | 5 | 37 |
| loanDepot.com LLC | 5 | 6 |
| Freedom Mortgage Corporation | 5 | 11 |
| Peoples Exchange Bank | 5 | 7 |
| Lower, LLC | 5 | 7 |
| Mortgage Investors Group | 5 | 8 |
| Republic State Mortgage Company | 4 | 6 |
| BPL Mortgage, LLC | 4 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | 31 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 617 | 26.5% of 509 decided |
| 2 or more minority races | under 10 | |
| Joint | 11 | no rate: base under 50 |
| Race Not Available | 131 | 31.3% of 96 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 625 | 26.8% of 522 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 142 | 31.7% of 101 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 245 | 29.2% of 192 decided |
| Female | 195 | 32.5% of 160 decided |
| Joint | 278 | 25.4% of 236 decided |
| Sex Not Available | 82 | 23.7% of 59 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. 1391 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