Mortgage lending in Clark County, Kentucky
Lenders in Clark County, Kentucky reported 1,559 mortgage applications for 2025, according to the CFPB.
1,559 mortgage applications and 935 loans originated in 2025; the denial rate was 19.9% of 1,228 applications decided. The median loan was about $185,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lexington-Fayette, KY MSA.
- 1,559
- Applications
- 935
- Loans originated
- 19.9%
- Denial rate
- 244 denied of 1,228 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,559 | 935 |
| 2024 | 1,405 | 884 |
| 2023 | 1,282 | 770 |
| 2022 | 1,754 | 1,078 |
| 2021 | 2,353 | 1,584 |
| 2020 | 2,162 | 1,422 |
| 2019 | 1,579 | 1,063 |
| 2018 | 1,459 | 960 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Traditional Bank Inc | 85 | 99 |
| Stock Yards Bank & Trust Company | 68 | 104 |
| Rocket Mortgage | 62 | 89 |
| Community Trust Bank, Inc. | 48 | 57 |
| Central Bank & Trust Co | 40 | 56 |
| Republic State Mortgage Company | 36 | 43 |
| Ark-LA-Tex Financial Services LLC | 34 | 43 |
| University of KY Fcu | 29 | 51 |
| Commonwealth Federal Credit Union | 25 | 36 |
| United Wholesale Mortgage | 25 | 32 |
| Peoples Exchange Bank | 22 | 34 |
| Mortgage Research Center | 19 | 40 |
| New American Funding, LLC. | 19 | 35 |
| Guardian Savings Bank | 17 | 22 |
| T2 Financial LLC | 14 | 24 |
| Freedom Mortgage Corporation | 14 | 36 |
| PNC Bank N.A. | 13 | 24 |
| Fifth Third Bank, National Association | 13 | 31 |
| Luminate Bank | 12 | 21 |
| Mortgage Investors Group | 12 | 15 |
| Truist Bank | 12 | 22 |
| Vanderbilt Mortgage and Finance, Inc | 11 | 70 |
| Stockton Mortgage Corporation | 11 | 19 |
| Burke & Herbert BK & TR Co | 10 | 13 |
| Ixonia Bank | 10 | 15 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 13 | no rate: base under 50 |
| Black or African American | 42 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,271 | 19.9% of 1,013 decided |
| 2 or more minority races | under 10 | |
| Joint | 21 | no rate: base under 50 |
| Race Not Available | 206 | 16.9% of 154 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 36 | no rate: base under 50 |
| Not Hispanic or Latino | 1,281 | 20.0% of 1,015 decided |
| Joint | 19 | no rate: base under 50 |
| Ethnicity Not Available | 223 | 16.8% of 167 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 488 | 25.2% of 381 decided |
| Female | 327 | 26.2% of 252 decided |
| Joint | 596 | 13.4% of 484 decided |
| Sex Not Available | 148 | 15.3% of 111 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. 1252 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