Mortgage lending in Kenton County, Kentucky
Lenders in Kenton County, Kentucky reported 8,262 mortgage applications for 2025, according to the CFPB.
8,262 mortgage applications and 5,218 loans originated in 2025; the denial rate was 19.0% of 6,738 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: Cincinnati, OH-KY-IN HUD Metro FMR Area.
- 8,262
- Applications
- 5,218
- Loans originated
- 19.0%
- Denial rate
- 1,283 denied of 6,738 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 8,262 | 5,218 |
| 2024 | 7,431 | 4,712 |
| 2023 | 6,895 | 4,259 |
| 2022 | 9,217 | 5,801 |
| 2021 | 14,380 | 9,615 |
| 2020 | 13,069 | 8,706 |
| 2019 | 9,314 | 6,012 |
| 2018 | 8,275 | 5,246 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Fifth Third Bank, National Association | 311 | 519 |
| Huntington National Bank | 310 | 506 |
| Guardian Savings Bank | 306 | 393 |
| United Wholesale Mortgage | 265 | 338 |
| Victory Mortgage, LLC | 259 | 295 |
| US Bank, N.A. | 226 | 411 |
| Rocket Mortgage | 219 | 295 |
| Stockton Mortgage Corporation | 175 | 234 |
| Union Home Mortgage Corp. | 167 | 232 |
| Crosscountry Mortgage, LLC | 167 | 232 |
| PNC Bank N.A. | 112 | 175 |
| Success Mortgage Partners, Inc | 94 | 111 |
| First Equity Mortgage Inc | 93 | 146 |
| Heritage Bank, INC | 76 | 108 |
| German American Bank | 73 | 96 |
| Truist Bank | 73 | 159 |
| First Financial Bank | 67 | 101 |
| Cinfed Federal Credit Union | 65 | 97 |
| Pennymac Loan Services LLC | 64 | 114 |
| Third Federal Savings and Loan | 62 | 91 |
| Guaranteed Rate, Inc. | 59 | 107 |
| Union Savings Bank | 56 | 69 |
| Freedom Mortgage Corporation | 55 | 115 |
| General Electric Credit Union | 54 | 73 |
| Republic Bank & Trust | 53 | 81 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 22 | no rate: base under 50 |
| Asian | 102 | 18.7% of 75 decided |
| Black or African American | 213 | 26.1% of 161 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 6,583 | 18.3% of 5,454 decided |
| 2 or more minority races | withheld | |
| Joint | 144 | 21.0% of 124 decided |
| Race Not Available | 1,179 | 20.6% of 892 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 269 | 29.6% of 206 decided |
| Not Hispanic or Latino | 6,659 | 18.4% of 5,494 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,212 | 19.0% of 937 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,923 | 21.2% of 2,375 decided |
| Female | 1,914 | 23.0% of 1,519 decided |
| Joint | 2,613 | 14.3% of 2,216 decided |
| Sex Not Available | 812 | 17.8% of 628 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. 1136 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