Mortgage lending in Caldwell County, Kentucky
Lenders in Caldwell County, Kentucky reported 385 mortgage applications for 2025, according to the CFPB.
385 mortgage applications and 246 loans originated in 2025; the denial rate was 23.4% of 329 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: Caldwell County, KY.
- 385
- Applications
- 246
- Loans originated
- 23.4%
- Denial rate
- 77 denied of 329 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 385 | 246 |
| 2024 | 296 | 183 |
| 2023 | 355 | 201 |
| 2022 | 382 | 227 |
| 2021 | 475 | 303 |
| 2020 | 393 | 253 |
| 2019 | 308 | 195 |
| 2018 | 283 | 175 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Planters Bank, Inc. | 32 | 32 |
| First Southern National Bank | 30 | 34 |
| Rocket Mortgage | 18 | 28 |
| Renasant Bank | 16 | 17 |
| Fifth Third Bank, National Association | 15 | 19 |
| Gershman Investment Corp. | 9 | 12 |
| Farmers Bank and Trust Company | 8 | 9 |
| Mortgage Research Center | 6 | 13 |
| United Wholesale Mortgage | 6 | 8 |
| Das Acquisition Company, LLC | 6 | 6 |
| loanDepot.com LLC | 5 | 8 |
| Magnolia Bank | 5 | 6 |
| Community Financial Services Bank | 4 | 5 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 35 |
| 21ST Mortgage | 4 | 9 |
| Fortera Federal Credit Union | 3 | 5 |
| Primary Residential Mortgage, INC. | 3 | 4 |
| New American Funding, LLC. | 3 | 6 |
| Newrez LLC | 3 | 5 |
| Truist Bank | 3 | 6 |
| Pennymac Loan Services LLC | 3 | 5 |
| American Financial Resources LLC | 2 | 2 |
| Independence Bank of Kentucky | 2 | 2 |
| Liberty Federal Credit Union | 2 | 3 |
| Guild Mortgage Company | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | 11 | no rate: base under 50 |
| White | 329 | 20.6% of 282 decided |
| Joint | under 10 | |
| Race Not Available | 35 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 336 | 23.0% of 287 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 36 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 136 | 19.8% of 116 decided |
| Female | 85 | 37.7% of 69 decided |
| Joint | 147 | 17.1% of 129 decided |
| Sex Not Available | 17 | no rate: base under 50 |
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. 2365 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