Mortgage lending in Harlan County, Kentucky
Lenders in Harlan County, Kentucky reported 513 mortgage applications for 2025, according to the CFPB.
513 mortgage applications and 166 loans originated in 2025; the denial rate was 50.0% of 382 applications decided. The median loan was about $110,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Harlan County, KY.
- 513
- Applications
- 166
- Loans originated
- 50.0%
- Denial rate
- 191 denied of 382 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 513 | 166 |
| 2024 | 502 | 165 |
| 2023 | 551 | 181 |
| 2022 | 548 | 187 |
| 2021 | 583 | 221 |
| 2020 | 542 | 202 |
| 2019 | 500 | 225 |
| 2018 | 491 | 202 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Stockton Mortgage Corporation | 28 | 43 |
| Rocket Mortgage | 18 | 21 |
| Hearthside Bank Corporation | 15 | 28 |
| Commercial Bank | 13 | 19 |
| Vanderbilt Mortgage and Finance, Inc | 9 | 107 |
| Community Trust Bank, Inc. | 8 | 9 |
| Monticello Banking Company | 8 | 18 |
| Truist Bank | 8 | 33 |
| Renasant Bank | 7 | 7 |
| Mortgage Research Center | 7 | 18 |
| T2 Financial LLC | 5 | 5 |
| American Pacific Mortgage Corporation | 3 | 4 |
| Freedom Mortgage Corporation | 3 | 5 |
| Firstbank | 3 | 17 |
| Commonwealth Federal Credit Union | 2 | 7 |
| L&N Federal Credit Union | 2 | 2 |
| Mortgage Investors Group | 2 | 2 |
| 21ST Mortgage | 2 | 24 |
| Pennymac Loan Services LLC | 2 | 6 |
| AmeriHome Mortgage Company, LLC | 1 | 1 |
| Primelending | 1 | 1 |
| Zillow Home Loans, LLC | 1 | 1 |
| Navy Federal Credit Union | 1 | 3 |
| Y-12 Federal Credit Union | 1 | 1 |
| Liberty Federal Credit Union | 1 | 1 |
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 | under 10 | |
| White | 459 | 48.5% of 344 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 35 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 439 | 47.6% of 328 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 62 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 187 | 47.9% of 142 decided |
| Female | 127 | 63.3% of 98 decided |
| Joint | 177 | 43.2% of 125 decided |
| Sex Not Available | 22 | 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. 2631 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