Mortgage lending in Franklin County, Kentucky
Lenders in Franklin County, Kentucky reported 2,352 mortgage applications for 2025, according to the CFPB.
2,352 mortgage applications and 1,353 loans originated in 2025; the denial rate was 22.4% of 1,831 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: Franklin County, KY.
- 2,352
- Applications
- 1,353
- Loans originated
- 22.4%
- Denial rate
- 410 denied of 1,831 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,352 | 1,353 |
| 2024 | 1,958 | 1,184 |
| 2023 | 1,793 | 1,105 |
| 2022 | 2,441 | 1,517 |
| 2021 | 3,392 | 2,217 |
| 2020 | 3,225 | 2,109 |
| 2019 | 2,319 | 1,517 |
| 2018 | 2,004 | 1,308 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Commonwealth Federal Credit Union | 282 | 442 |
| Stockton Mortgage Corporation | 91 | 149 |
| Rocket Mortgage | 88 | 119 |
| United Wholesale Mortgage | 55 | 79 |
| Traditional Bank Inc | 51 | 65 |
| Fifth Third Bank, National Association | 42 | 74 |
| Wesbanco Bank, Inc. | 42 | 82 |
| City National Bank of WV | 34 | 51 |
| Independence Bank of Kentucky | 31 | 47 |
| Community Trust Bank, Inc. | 30 | 44 |
| Ark-LA-Tex Financial Services LLC | 27 | 42 |
| University of KY Fcu | 21 | 41 |
| Mortgage Research Center | 20 | 46 |
| Das Acquisition Company, LLC | 19 | 25 |
| Guardian Savings Bank | 18 | 23 |
| Whitaker Bank Inc | 17 | 24 |
| Pennymac Loan Services LLC | 17 | 46 |
| T2 Financial LLC | 16 | 19 |
| Republic State Mortgage Company | 15 | 26 |
| JPMorgan Chase Bank, NA | 14 | 17 |
| New American Funding, LLC. | 13 | 28 |
| Northpointe Bank | 13 | 18 |
| Central Bank & Trust Co | 12 | 14 |
| US Bank, N.A. | 12 | 20 |
| Nationstar Mortgage | 11 | 18 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | withheld | |
| Asian | 31 | no rate: base under 50 |
| Black or African American | 117 | 30.1% of 93 decided |
| White | 1,822 | 22.1% of 1,421 decided |
| 2 or more minority races | under 10 | |
| Joint | 42 | no rate: base under 50 |
| Race Not Available | 328 | 21.0% of 252 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 66 | no rate: base under 50 |
| Not Hispanic or Latino | 1,903 | 22.0% of 1,497 decided |
| Joint | 35 | no rate: base under 50 |
| Ethnicity Not Available | 348 | 23.7% of 266 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 721 | 23.4% of 572 decided |
| Female | 594 | 28.4% of 464 decided |
| Joint | 810 | 16.9% of 622 decided |
| Sex Not Available | 227 | 22.5% of 173 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. 1396 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