Mortgage lending in Cumberland County, Kentucky
Lenders in Cumberland County, Kentucky reported 125 mortgage applications for 2025, according to the CFPB.
125 mortgage applications and 57 loans originated in 2025; the denial rate was 40.2% of 97 applications decided. The median loan was about $175,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cumberland County, KY.
- 125
- Applications
- 57
- Loans originated
- 40.2%
- Denial rate
- 39 denied of 97 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 125 | 57 |
| 2024 | 128 | 48 |
| 2023 | 110 | 47 |
| 2022 | 148 | 71 |
| 2021 | 169 | 81 |
| 2020 | 169 | 72 |
| 2019 | 117 | 58 |
| 2018 | 93 | 46 |
The largest lenders here
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Black or African American | under 10 | |
| White | 106 | 38.6% of 83 decided |
| Joint | under 10 | |
| Race Not Available | 16 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Not Hispanic or Latino | 101 | 34.6% of 78 decided |
| Joint | under 10 | |
| Ethnicity Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 52 | no rate: base under 50 |
| Female | 20 | no rate: base under 50 |
| Joint | 42 | no rate: base under 50 |
| Sex Not Available | 11 | 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. 1394 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