Mortgage lending in Clay County, Kentucky
Lenders in Clay County, Kentucky reported 491 mortgage applications for 2025, according to the CFPB.
491 mortgage applications and 130 loans originated in 2025; the denial rate was 57.5% of 367 applications decided. The median loan was about $130,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Clay County, KY.
- 491
- Applications
- 130
- Loans originated
- 57.5%
- Denial rate
- 211 denied of 367 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 491 | 130 |
| 2024 | 467 | 107 |
| 2023 | 483 | 106 |
| 2022 | 486 | 122 |
| 2021 | 500 | 167 |
| 2020 | 509 | 150 |
| 2019 | 371 | 96 |
| 2018 | 303 | 87 |
The largest lenders here
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 | |
| White | 429 | 57.5% of 325 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 45 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 395 | 54.0% of 296 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 79 | 70.0% of 60 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 167 | 54.0% of 124 decided |
| Female | 133 | 66.3% of 104 decided |
| Joint | 163 | 53.3% of 122 decided |
| Sex Not Available | 28 | 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. 2291 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