Mortgage lending in Garrard County, Kentucky
Lenders in Garrard County, Kentucky reported 843 mortgage applications for 2025, according to the CFPB.
843 mortgage applications and 497 loans originated in 2025; the denial rate was 22.7% of 673 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: Garrard County, KY.
- 843
- Applications
- 497
- Loans originated
- 22.7%
- Denial rate
- 153 denied of 673 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 843 | 497 |
| 2024 | 745 | 416 |
| 2023 | 651 | 384 |
| 2022 | 810 | 485 |
| 2021 | 1,070 | 696 |
| 2020 | 978 | 625 |
| 2019 | 717 | 452 |
| 2018 | 641 | 396 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Whitaker Bank Inc | 58 | 71 |
| Rocket Mortgage | 31 | 43 |
| First Southern National Bank | 27 | 28 |
| New American Funding, LLC. | 24 | 33 |
| Ark-LA-Tex Financial Services LLC | 23 | 27 |
| Commonwealth Federal Credit Union | 20 | 30 |
| T2 Financial LLC | 20 | 21 |
| United Wholesale Mortgage | 20 | 38 |
| University of KY Fcu | 15 | 32 |
| Farmers Bank | 13 | 14 |
| Community Trust Bank, Inc. | 12 | 16 |
| Mortgage Research Center | 11 | 21 |
| Central Bank & Trust Co | 10 | 12 |
| Stock Yards Bank & Trust Company | 9 | 17 |
| US Bank, N.A. | 9 | 13 |
| Fifth Third Bank, National Association | 9 | 13 |
| Freedom Mortgage Corporation | 7 | 13 |
| Union Home Mortgage Corp. | 7 | 10 |
| Goprime Mortgage, Inc. | 6 | 6 |
| Luminate Bank | 6 | 6 |
| JPMorgan Chase Bank, NA | 6 | 9 |
| PNC Bank N.A. | 6 | 13 |
| Guardian Savings Bank | 5 | 6 |
| Peoples Exchange Bank | 5 | 6 |
| Stockton Mortgage Corporation | 5 | 8 |
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 | 19 | no rate: base under 50 |
| White | 699 | 21.4% of 564 decided |
| 2 or more minority races | under 10 | |
| Joint | 10 | no rate: base under 50 |
| Race Not Available | 106 | 21.4% of 84 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 14 | no rate: base under 50 |
| Not Hispanic or Latino | 695 | 22.7% of 563 decided |
| Joint | 18 | no rate: base under 50 |
| Ethnicity Not Available | 116 | 23.9% of 88 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 285 | 26.7% of 221 decided |
| Female | 153 | 32.5% of 123 decided |
| Joint | 335 | 14.7% of 272 decided |
| Sex Not Available | 70 | 24.6% of 57 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. 1398 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