Mortgage lending in Jefferson County, Kentucky
Lenders in Jefferson County, Kentucky reported 31,253 mortgage applications for 2025, according to the CFPB.
31,253 mortgage applications and 19,415 loans originated in 2025; the denial rate was 19.4% of 25,106 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Louisville, KY-IN HUD Metro FMR Area.
- 31,253
- Applications
- 19,415
- Loans originated
- 19.4%
- Denial rate
- 4,871 denied of 25,106 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 31,253 | 19,415 |
| 2024 | 27,507 | 17,057 |
| 2023 | 25,675 | 15,769 |
| 2022 | 35,741 | 22,542 |
| 2021 | 56,393 | 37,630 |
| 2020 | 56,350 | 37,832 |
| 2019 | 38,948 | 25,152 |
| 2018 | 33,698 | 21,771 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| United Wholesale Mortgage | 1,851 | 2,320 |
| Rocket Mortgage | 1,111 | 1,517 |
| Stock Yards Bank & Trust Company | 1,012 | 1,452 |
| PNC Bank N.A. | 919 | 1,482 |
| First Financial Bank | 834 | 1,076 |
| Republic Bank & Trust | 782 | 1,170 |
| Fifth Third Bank, National Association | 749 | 1,386 |
| Northpointe Bank | 646 | 1,062 |
| L&N Federal Credit Union | 607 | 794 |
| US Bank, N.A. | 602 | 997 |
| Fairway Independent Mort Corp | 295 | 457 |
| Park Community Credit Union | 278 | 416 |
| Truist Bank | 268 | 538 |
| JPMorgan Chase Bank, NA | 262 | 398 |
| Interlinc Mortgage Services, LLC | 254 | 321 |
| The Loan Store, Inc | 246 | 342 |
| Commonwealth Federal Credit Union | 232 | 425 |
| Stockton Mortgage Corporation | 222 | 316 |
| Freedom Mortgage Corporation | 217 | 535 |
| River City Bank, Inc. | 200 | 280 |
| Liberty Federal Credit Union | 199 | 256 |
| Crosscountry Mortgage, LLC | 199 | 307 |
| Magnolia Bank | 177 | 222 |
| Vanderbilt Mortgage and Finance, Inc | 165 | 351 |
| Pennymac Loan Services LLC | 161 | 356 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 120 | 38.6% of 83 decided |
| Asian | 1,210 | 20.2% of 941 decided |
| Black or African American | 3,981 | 31.0% of 3,107 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 19,967 | 16.8% of 16,423 decided |
| 2 or more minority races | 67 | 45.1% of 51 decided |
| Joint | 503 | 15.3% of 400 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 5,357 | 20.5% of 4,064 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,014 | 17.6% of 3,408 decided |
| Not Hispanic or Latino | 22,025 | 19.3% of 17,757 decided |
| Joint | withheld | |
| Ethnicity Not Available | 4,831 | 21.7% of 3,636 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 11,017 | 21.8% of 8,748 decided |
| Female | 8,429 | 21.9% of 6,840 decided |
| Joint | 8,534 | 14.0% of 7,005 decided |
| Sex Not Available | 3,273 | 19.5% of 2,513 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. 1135 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