Mortgage lending in Hardin County, Kentucky
Lenders in Hardin County, Kentucky reported 5,212 mortgage applications for 2025, according to the CFPB.
5,212 mortgage applications and 3,137 loans originated in 2025; the denial rate was 19.3% of 4,115 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Elizabethtown, KY HUD Metro FMR Area.
- 5,212
- Applications
- 3,137
- Loans originated
- 19.3%
- Denial rate
- 796 denied of 4,115 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 5,212 | 3,137 |
| 2024 | 4,762 | 2,836 |
| 2023 | 4,398 | 2,595 |
| 2022 | 5,573 | 3,360 |
| 2021 | 7,969 | 5,049 |
| 2020 | 7,763 | 5,055 |
| 2019 | 5,124 | 3,293 |
| 2018 | 4,485 | 2,825 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Abound Federal Credit Union | 352 | 543 |
| United Wholesale Mortgage | 313 | 388 |
| The Cecilian Bank | 200 | 245 |
| Rocket Mortgage | 193 | 250 |
| South Central Bank Inc | 185 | 256 |
| West Point Bank | 167 | 198 |
| Mortgage Research Center | 159 | 283 |
| Freedom Mortgage Corporation | 98 | 186 |
| Navy Federal Credit Union | 89 | 190 |
| Wesbanco Bank, Inc. | 75 | 118 |
| DHI Mortgage Company, LTD. | 68 | 92 |
| Northpointe Bank | 56 | 82 |
| Magnolia Bank | 53 | 64 |
| Pennymac Loan Services LLC | 51 | 107 |
| PNC Bank N.A. | 49 | 76 |
| Wilson & Muir Bank & Trust Company | 41 | 48 |
| Premier Lending Inc. | 40 | 43 |
| Everett Financial, Inc. | 36 | 68 |
| Nationstar Mortgage | 35 | 46 |
| Crosscountry Mortgage, LLC | 35 | 52 |
| Inspire Home Loans Inc. | 34 | 55 |
| Prosperity Home Mortgage, LLC | 28 | 40 |
| Union Home Mortgage Corp. | 26 | 36 |
| Meade County Bank | 25 | 29 |
| New Day Financial, LLC. | 24 | 83 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 34 | no rate: base under 50 |
| Asian | 120 | 10.7% of 84 decided |
| Black or African American | 450 | 25.8% of 334 decided |
| Native Hawaiian or Other Pacific Islander | 24 | no rate: base under 50 |
| White | 3,700 | 17.9% of 2,988 decided |
| 2 or more minority races | withheld | |
| Joint | 146 | 27.5% of 109 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 717 | 21.6% of 545 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 218 | 22.2% of 167 decided |
| Not Hispanic or Latino | 4,185 | 18.6% of 3,339 decided |
| Joint | withheld | |
| Ethnicity Not Available | 696 | 22.8% of 526 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,915 | 20.9% of 1,481 decided |
| Female | 999 | 24.0% of 787 decided |
| Joint | 1,859 | 15.3% of 1,491 decided |
| Sex Not Available | 439 | 19.4% of 356 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. 885 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