Mortgage lending in Henderson County, Kentucky
Lenders in Henderson County, Kentucky reported 1,597 mortgage applications for 2025, according to the CFPB.
1,597 mortgage applications and 983 loans originated in 2025; the denial rate was 22.0% of 1,321 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Henderson County, KY.
- 1,597
- Applications
- 983
- Loans originated
- 22.0%
- Denial rate
- 290 denied of 1,321 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,597 | 983 |
| 2024 | 1,357 | 852 |
| 2023 | 1,280 | 785 |
| 2022 | 1,643 | 1,058 |
| 2021 | 2,236 | 1,512 |
| 2020 | 2,436 | 1,606 |
| 2019 | 1,742 | 1,188 |
| 2018 | 1,567 | 1,039 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Liberty Federal Credit Union | 185 | 231 |
| Independence Bank of Kentucky | 123 | 190 |
| Field & Main Bank | 101 | 132 |
| Fifth Third Bank, National Association | 85 | 156 |
| Rocket Mortgage | 48 | 68 |
| Old National Bank | 47 | 70 |
| Heritage Federal Credit Union | 34 | 49 |
| Acrisure Mortgage, LLC | 29 | 34 |
| Farmers Bank and Trust Company | 25 | 35 |
| Mortgage Masters of Indiana Inc | 24 | 26 |
| Freedom Mortgage Corporation | 18 | 27 |
| Ruoff Mortgage Company | 16 | 23 |
| German American Bank | 14 | 25 |
| Churchill Mortgage Corporation | 14 | 22 |
| Mortgage Research Center | 12 | 30 |
| Luminate Bank | 11 | 15 |
| Union Home Mortgage Corp. | 10 | 19 |
| Pennymac Loan Services LLC | 10 | 23 |
| United Wholesale Mortgage | 9 | 16 |
| Amerisave Mortgage Company | 8 | 20 |
| Triad Financial Services, Inc. | 7 | 26 |
| Interlinc Mortgage Services, LLC | 6 | 9 |
| JPMorgan Chase Bank, NA | 6 | 8 |
| Navy Federal Credit Union | 5 | 8 |
| New American Funding, LLC. | 5 | 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 | 73 | 24.6% of 57 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,321 | 21.7% of 1,094 decided |
| 2 or more minority races | under 10 | |
| Joint | 14 | no rate: base under 50 |
| Race Not Available | 178 | 22.3% of 148 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 30 | no rate: base under 50 |
| Not Hispanic or Latino | 1,385 | 21.6% of 1,145 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 171 | 20.9% of 139 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 526 | 25.4% of 433 decided |
| Female | 377 | 31.1% of 306 decided |
| Joint | 574 | 14.8% of 481 decided |
| Sex Not Available | 120 | 13.9% of 101 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. 2162 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