Mortgage lending in Laurel County, Kentucky
Lenders in Laurel County, Kentucky reported 2,541 mortgage applications for 2025, according to the CFPB.
2,541 mortgage applications and 1,050 loans originated in 2025; the denial rate was 39.0% of 1,907 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Laurel County, KY.
- 2,541
- Applications
- 1,050
- Loans originated
- 39.0%
- Denial rate
- 743 denied of 1,907 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,541 | 1,050 |
| 2024 | 2,270 | 968 |
| 2023 | 2,157 | 857 |
| 2022 | 2,365 | 1,115 |
| 2021 | 2,774 | 1,494 |
| 2020 | 2,832 | 1,567 |
| 2019 | 2,004 | 976 |
| 2018 | 1,749 | 841 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| L&N Federal Credit Union | 149 | 191 |
| Community Trust Bank, Inc. | 102 | 129 |
| Rocket Mortgage | 75 | 113 |
| Vanderbilt Mortgage and Finance, Inc | 56 | 522 |
| Polaris Home Funding Corp. | 55 | 77 |
| PNC Bank N.A. | 34 | 72 |
| Ark-LA-Tex Financial Services LLC | 33 | 55 |
| United Wholesale Mortgage | 30 | 55 |
| Cumberland Valley National Bank & Trust Co | 26 | 32 |
| Mortgage Research Center | 24 | 50 |
| 21ST Mortgage | 24 | 172 |
| Pike Creek Mortgage Services, Inc. | 23 | 34 |
| Everett Financial, Inc. | 21 | 21 |
| Freedom Mortgage Corporation | 16 | 34 |
| Forcht Bank, N.A. | 16 | 27 |
| Zippy Loans, LLC | 16 | 55 |
| New American Funding, LLC. | 15 | 41 |
| Pennymac Loan Services LLC | 15 | 39 |
| Magnolia Bank | 14 | 19 |
| Equity Prime Mortgage LLC | 13 | 26 |
| Monticello Banking Company | 10 | 15 |
| Planet Home Lending, LLC | 10 | 12 |
| Commercial Bank | 10 | 13 |
| Truist Bank | 10 | 22 |
| loanDepot.com LLC | 9 | 14 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 11 | no rate: base under 50 |
| Black or African American | 21 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 2,274 | 39.2% of 1,711 decided |
| 2 or more minority races | under 10 | |
| Joint | 37 | no rate: base under 50 |
| Race Not Available | 180 | 33.1% of 133 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 51 | no rate: base under 50 |
| Not Hispanic or Latino | 2,146 | 36.4% of 1,630 decided |
| Joint | withheld | |
| Ethnicity Not Available | 314 | 54.3% of 219 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 897 | 36.9% of 664 decided |
| Female | 575 | 51.7% of 402 decided |
| Joint | 939 | 35.1% of 753 decided |
| Sex Not Available | 130 | 29.5% of 88 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. 1753 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