Mortgage lending in Gallatin County, Kentucky
Lenders in Gallatin County, Kentucky reported 438 mortgage applications for 2025, according to the CFPB.
438 mortgage applications and 187 loans originated in 2025; the denial rate was 37.0% of 341 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: Cincinnati, OH-KY-IN HUD Metro FMR Area.
- 438
- Applications
- 187
- Loans originated
- 37.0%
- Denial rate
- 126 denied of 341 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 438 | 187 |
| 2024 | 379 | 187 |
| 2023 | 402 | 175 |
| 2022 | 416 | 192 |
| 2021 | 525 | 307 |
| 2020 | 485 | 256 |
| 2019 | 344 | 176 |
| 2018 | 332 | 164 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| German American Bank | 16 | 32 |
| Rocket Mortgage | 14 | 16 |
| Truist Bank | 12 | 23 |
| Stockton Mortgage Corporation | 9 | 19 |
| US Bank, N.A. | 9 | 16 |
| Fifth Third Bank, National Association | 8 | 11 |
| Crosscountry Mortgage, LLC | 7 | 15 |
| Vanderbilt Mortgage and Finance, Inc | 6 | 33 |
| Union Home Mortgage Corp. | 6 | 7 |
| First National Bank of Kentucky | 5 | 8 |
| Huntington National Bank | 5 | 8 |
| Guaranteed Rate, Inc. | 5 | 5 |
| Farm Credit Mid-America, Aca | 4 | 4 |
| NFM, Inc | 4 | 6 |
| Mutual of Omaha Mortgage | 4 | 5 |
| loanDepot.com LLC | 3 | 3 |
| United Wholesale Mortgage | 3 | 5 |
| Freedom Mortgage Corporation | 3 | 10 |
| Carrington Mortgage Services LLC | 3 | 5 |
| Success Mortgage Partners, Inc | 3 | 4 |
| The Loan Store, Inc | 2 | 4 |
| Figure Lending LLC | 2 | 4 |
| American Financial Resources LLC | 2 | 2 |
| Top Flite Financial, Inc. | 2 | 2 |
| Polaris Home Funding Corp. | 2 | 2 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 375 | 34.8% of 293 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 51 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 13 | no rate: base under 50 |
| Not Hispanic or Latino | 352 | 32.5% of 277 decided |
| Joint | 12 | no rate: base under 50 |
| Ethnicity Not Available | 61 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 142 | 34.9% of 106 decided |
| Female | 113 | 48.3% of 89 decided |
| Joint | 145 | 28.0% of 118 decided |
| Sex Not Available | 38 | 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. 1397 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