Mortgage lending in Lawrence County, Kentucky
Lenders in Lawrence County, Kentucky reported 512 mortgage applications for 2025, according to the CFPB.
512 mortgage applications and 173 loans originated in 2025; the denial rate was 51.7% of 408 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: Lawrence County, KY HUD Metro FMR Area.
- 512
- Applications
- 173
- Loans originated
- 51.7%
- Denial rate
- 211 denied of 408 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 512 | 173 |
| 2024 | 456 | 183 |
| 2023 | 420 | 143 |
| 2022 | 522 | 203 |
| 2021 | 586 | 272 |
| 2020 | 535 | 228 |
| 2019 | 372 | 169 |
| 2018 | 355 | 145 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 18 | 26 |
| Community Trust Bank, Inc. | 15 | 18 |
| City National Bank of WV | 14 | 24 |
| United Wholesale Mortgage | 13 | 20 |
| Vanderbilt Mortgage and Finance, Inc | 12 | 115 |
| Kentucky Farmers Bank Corporation | 9 | 17 |
| Stockton Mortgage Corporation | 9 | 13 |
| Citizens Bank of Kentucky, Inc. | 8 | 13 |
| Mortgage Research Center | 6 | 12 |
| Primelending | 5 | 5 |
| Members Choice Credit Union | 5 | 5 |
| Movement Mortgage, LLC | 4 | 6 |
| Pennymac Loan Services LLC | 4 | 10 |
| First State Bank | 3 | 6 |
| South Central Bank Inc | 3 | 5 |
| Firstbank | 3 | 30 |
| First National Bank of Grayson | 2 | 2 |
| Desco Federal Credit Union | 2 | 2 |
| American Financing Corporation | 2 | 3 |
| Triad Financial Services, Inc. | 2 | 21 |
| 21ST Mortgage | 2 | 24 |
| US Bank, N.A. | 2 | 7 |
| Peoples Bank | 2 | 4 |
| The Health and Education Federal Credit Union | 1 | 1 |
| Paramount Residential Mortgage | 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 | 471 | 52.9% of 378 decided |
| Joint | under 10 | |
| Race Not Available | 33 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 447 | 50.1% of 355 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 57 | no rate: base under 50 |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 176 | 43.8% of 144 decided |
| Female | 105 | 61.3% of 80 decided |
| Joint | 203 | 54.2% of 166 decided |
| Sex Not Available | 28 | 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. 2165 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