Mortgage lending in Carter County, Kentucky
Lenders in Carter County, Kentucky reported 877 mortgage applications for 2025, according to the CFPB.
877 mortgage applications and 432 loans originated in 2025; the denial rate was 29.9% of 682 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: Carter County, KY HUD Metro FMR Area.
- 877
- Applications
- 432
- Loans originated
- 29.9%
- Denial rate
- 204 denied of 682 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 877 | 432 |
| 2024 | 750 | 371 |
| 2023 | 759 | 385 |
| 2022 | 863 | 440 |
| 2021 | 1,035 | 582 |
| 2020 | 1,006 | 555 |
| 2019 | 774 | 473 |
| 2018 | 576 | 277 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Commercial Bank of Grayson | 82 | 89 |
| First National Bank of Grayson | 50 | 71 |
| Rocket Mortgage | 29 | 44 |
| City National Bank of WV | 26 | 42 |
| Stockton Mortgage Corporation | 24 | 27 |
| United Wholesale Mortgage | 22 | 27 |
| Mortgage Research Center | 16 | 30 |
| Members Choice Credit Union | 12 | 24 |
| Vanderbilt Mortgage and Finance, Inc | 11 | 115 |
| 21ST Mortgage | 9 | 44 |
| Kentucky Farmers Bank Corporation | 7 | 12 |
| Stock Yards Bank & Trust Company | 6 | 9 |
| Desco Federal Credit Union | 6 | 9 |
| loanDepot.com LLC | 6 | 9 |
| Movement Mortgage, LLC | 6 | 8 |
| Community Trust Bank, Inc. | 5 | 5 |
| Click n' Close, Inc. | 5 | 6 |
| New American Funding, LLC. | 5 | 11 |
| PNC Bank N.A. | 5 | 5 |
| Ark-LA-Tex Financial Services LLC | 4 | 4 |
| Newrez LLC | 4 | 6 |
| Freedom Mortgage Corporation | 4 | 7 |
| Firstbank | 4 | 16 |
| US Bank, N.A. | 4 | 9 |
| Fifth Third Bank, National Association | 4 | 9 |
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 | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 777 | 30.7% of 603 decided |
| Joint | 13 | no rate: base under 50 |
| Race Not Available | 78 | 21.0% of 62 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 720 | 28.1% of 572 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 138 | 38.3% of 94 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 318 | 27.2% of 250 decided |
| Female | 182 | 37.3% of 134 decided |
| Joint | 323 | 30.3% of 257 decided |
| Sex Not Available | 54 | 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. 2366 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