Mortgage lending in Carroll County, Kentucky
Lenders in Carroll County, Kentucky reported 415 mortgage applications for 2025, according to the CFPB.
415 mortgage applications and 217 loans originated in 2025; the denial rate was 31.2% of 340 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Carroll County, KY.
- 415
- Applications
- 217
- Loans originated
- 31.2%
- Denial rate
- 106 denied of 340 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 415 | 217 |
| 2024 | 346 | 167 |
| 2023 | 350 | 181 |
| 2022 | 381 | 183 |
| 2021 | 506 | 289 |
| 2020 | 396 | 235 |
| 2019 | 347 | 195 |
| 2018 | 286 | 149 |
The largest lenders here
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 322 | 28.4% of 264 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 77 | 40.3% of 62 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 17 | no rate: base under 50 |
| Not Hispanic or Latino | 300 | 25.1% of 247 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 87 | 44.3% of 70 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 142 | 26.1% of 119 decided |
| Female | 77 | 31.6% of 57 decided |
| Joint | 131 | 29.7% of 111 decided |
| Sex Not Available | 65 | 45.3% of 53 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. 1980 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