Mortgage lending in Fulton County, Kentucky

Lenders in Fulton County, Kentucky reported 118 mortgage applications for 2025, according to the CFPB.

118 mortgage applications and 67 loans originated in 2025; the denial rate was 30.5% of 105 applications decided. The median loan was about $105,000. From 2025, the CFPB’s Snapshot release.

HUD’s Fair Market Rent for the county, on the housing hub: Fulton County, KY.

118
Applications: 67
Loans originated: 30.5%
Denial rate: 32 denied of 105 applications decided.

Every year

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Mortgage applications and loans originated in Fulton County, Kentucky, by year
Year	Applications	Originated	Denied
2025	118	67	32
2024	111	56	28
2023	93	46	30
2022	103	52	25
2021	105	68	15
2020	107	62	24
2019	59	28	19
2018	69	33	21

The largest lenders here

Lenders in Fulton County, Kentucky by loans originated, 2025
Lender	Originated	Applications
Rocket Mortgage	10	13
First Financial Bank NA	7	11
United Wholesale Mortgage	7	8
Regions Bank	4	8
Leaders Credit Union	3	5
Simmons Bank	3	6
Synergy One Lending, Inc.	2	2
Citizens Deposit Bank	2	2
First Community Bank of the Heartland, Inc.	2	6
Independence Bank of Kentucky	2	2
Gershman Investment Corp.	2	2
First Citizens National Bank	2	2
Security Bank and Trust Company	2	2
Pennymac Loan Services LLC	2	3
Vanderbilt Mortgage and Finance, Inc	1	4
Navy Federal Credit Union	1	1
First Kentucky Bank	1	1
Mortgage Research Center	1	3
Nationstar Mortgage	1	1
South Central Bank Inc	1	1
River Valley AgCredit	1	1
Banterra Bank	1	1
First Community Mortgage, Inc.	1	1
Towne Mortgage Company	1	2
Magnolia Bank	1	2

Applications by race, ethnicity and sex, 2025

By race, Fulton County, Kentucky: applications and denial rate
Category	Applications	Denial rate
Black or African American	16	no rate: base under 50
White	90	26.8% of 82 decided
Race Not Available	12	no rate: base under 50

By ethnicity, Fulton County, Kentucky: applications and denial rate
Category	Applications	Denial rate
Hispanic or Latino	under 10
Not Hispanic or Latino	104	27.7% of 94 decided
Ethnicity Not Available	withheld

By sex, Fulton County, Kentucky: applications and denial rate
Category	Applications	Denial rate
Male	46	no rate: base under 50
Female	withheld
Joint	39	no rate: base under 50
Sex Not Available	under 10

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. 2691 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 October 22, 2026