Mortgage lending in Boyd County, Kentucky
Lenders in Boyd County, Kentucky reported 1,725 mortgage applications for 2025, according to the CFPB.
1,725 mortgage applications and 910 loans originated in 2025; the denial rate was 27.9% of 1,358 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Huntington-Ashland, WV-KY-OH HUD Metro FMR Area.
- 1,725
- Applications
- 910
- Loans originated
- 27.9%
- Denial rate
- 379 denied of 1,358 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,725 | 910 |
| 2024 | 1,477 | 789 |
| 2023 | 1,495 | 837 |
| 2022 | 1,817 | 1,060 |
| 2021 | 2,355 | 1,531 |
| 2020 | 2,052 | 1,367 |
| 2019 | 1,621 | 981 |
| 2018 | 1,631 | 1,028 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 102 | 129 |
| City National Bank of WV | 92 | 144 |
| Rocket Mortgage | 59 | 86 |
| Members Choice Credit Union | 59 | 85 |
| Community Trust Bank, Inc. | 52 | 58 |
| Kentucky Farmers Bank Corporation | 46 | 78 |
| Stockton Mortgage Corporation | 41 | 64 |
| Desco Federal Credit Union | 40 | 68 |
| Equity Prime Mortgage LLC | 34 | 53 |
| Peoples Bank | 29 | 54 |
| Fifth Third Bank, National Association | 27 | 50 |
| Mortgage Research Center | 22 | 54 |
| PNC Bank N.A. | 22 | 49 |
| Commercial Bank of Grayson | 20 | 20 |
| Movement Mortgage, LLC | 19 | 36 |
| Primelending | 13 | 24 |
| Click n' Close, Inc. | 11 | 12 |
| Freedom Mortgage Corporation | 11 | 15 |
| First National Bank of Grayson | 10 | 20 |
| Vanderbilt Mortgage and Finance, Inc | 8 | 86 |
| Pennymac Loan Services LLC | 8 | 30 |
| Commonwealth Federal Credit Union | 7 | 12 |
| US Bank, N.A. | 7 | 24 |
| Loan Funder LLC | 6 | 7 |
| Ark-LA-Tex Financial Services LLC | 6 | 6 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 12 | no rate: base under 50 |
| Black or African American | 30 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,428 | 28.4% of 1,121 decided |
| 2 or more minority races | under 10 | |
| Joint | 21 | no rate: base under 50 |
| Race Not Available | 224 | 20.5% of 185 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 1,461 | 27.5% of 1,149 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 239 | 30.9% of 188 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 605 | 27.2% of 460 decided |
| Female | 385 | 31.1% of 299 decided |
| Joint | 548 | 26.7% of 449 decided |
| Sex Not Available | 187 | 27.3% of 150 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. 2363 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