Mortgage lending in Graves County, Kentucky
Lenders in Graves County, Kentucky reported 1,042 mortgage applications for 2025, according to the CFPB.
1,042 mortgage applications and 631 loans originated in 2025; the denial rate was 23.2% of 861 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Graves County, KY.
- 1,042
- Applications
- 631
- Loans originated
- 23.2%
- Denial rate
- 200 denied of 861 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,042 | 631 |
| 2024 | 1,020 | 532 |
| 2023 | 869 | 438 |
| 2022 | 978 | 543 |
| 2021 | 1,250 | 792 |
| 2020 | 1,152 | 702 |
| 2019 | 776 | 499 |
| 2018 | 722 | 444 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| US Bank, N.A. | 75 | 109 |
| FNB Bank Inc | 50 | 75 |
| Gershman Investment Corp. | 46 | 56 |
| Independence Bank of Kentucky | 41 | 51 |
| First Kentucky Bank | 37 | 51 |
| Rocket Mortgage | 35 | 58 |
| Community Financial Services Bank | 33 | 50 |
| Magnolia Bank | 27 | 33 |
| Regions Bank | 27 | 50 |
| United Wholesale Mortgage | 20 | 28 |
| First Community Bank of the Heartland, Inc. | 19 | 21 |
| Mortgage Research Center | 19 | 34 |
| Citizens Deposit Bank | 16 | 16 |
| Crosscountry Mortgage, LLC | 12 | 16 |
| The Paducah Bank and Trust Company | 8 | 9 |
| First Financial Bank NA | 7 | 12 |
| River Valley AgCredit | 7 | 7 |
| Pennymac Loan Services LLC | 7 | 16 |
| loanDepot.com LLC | 6 | 7 |
| Nationstar Mortgage | 6 | 6 |
| FirstTrust Home Loans | 5 | 6 |
| Navy Federal Credit Union | 5 | 10 |
| Freedom Mortgage Corporation | 5 | 18 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 40 |
| New American Funding, LLC. | 4 | 13 |
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 | 29 | no rate: base under 50 |
| White | 850 | 22.5% of 706 decided |
| Joint | 22 | no rate: base under 50 |
| Race Not Available | 127 | 22.4% of 98 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 61 | no rate: base under 50 |
| Not Hispanic or Latino | 819 | 21.1% of 683 decided |
| Joint | 21 | no rate: base under 50 |
| Ethnicity Not Available | 141 | 27.9% of 111 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 362 | 21.1% of 289 decided |
| Female | 200 | 31.3% of 163 decided |
| Joint | 391 | 21.7% of 341 decided |
| Sex Not Available | 89 | 20.6% of 68 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. 1981 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