Mortgage lending in Lincoln County, Kentucky
Lenders in Lincoln County, Kentucky reported 903 mortgage applications for 2025, according to the CFPB.
903 mortgage applications and 465 loans originated in 2025; the denial rate was 29.8% of 705 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lincoln County, KY.
- 903
- Applications
- 465
- Loans originated
- 29.8%
- Denial rate
- 210 denied of 705 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 903 | 465 |
| 2024 | 869 | 426 |
| 2023 | 741 | 367 |
| 2022 | 842 | 445 |
| 2021 | 1,068 | 634 |
| 2020 | 798 | 463 |
| 2019 | 634 | 357 |
| 2018 | 585 | 319 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| New American Funding, LLC. | 42 | 84 |
| First Southern National Bank | 41 | 44 |
| Rocket Mortgage | 33 | 50 |
| Whitaker Bank Inc | 23 | 32 |
| Abound Federal Credit Union | 19 | 32 |
| T2 Financial LLC | 19 | 25 |
| Vanderbilt Mortgage and Finance, Inc | 18 | 68 |
| United Wholesale Mortgage | 17 | 27 |
| Community Trust Bank, Inc. | 14 | 18 |
| 21ST Mortgage | 12 | 78 |
| Commonwealth Federal Credit Union | 11 | 24 |
| Mortgage Research Center | 11 | 22 |
| Pennymac Loan Services LLC | 11 | 18 |
| Central Kentucky Agricultural | 9 | 9 |
| Republic State Mortgage Company | 8 | 8 |
| Ark-LA-Tex Financial Services LLC | 7 | 9 |
| Stockton Mortgage Corporation | 7 | 10 |
| PNC Bank N.A. | 7 | 13 |
| Monticello Banking Company | 6 | 8 |
| The Citizens National Bank of Somerset | 6 | 7 |
| Mortgage Investors Group | 6 | 6 |
| loanDepot.com LLC | 5 | 9 |
| CMG Mortgage Inc | 5 | 7 |
| L&N Federal Credit Union | 5 | 6 |
| JPMorgan Chase Bank, NA | 5 | 9 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | 21 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 776 | 28.2% of 621 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 87 | 35.2% of 54 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 770 | 28.1% of 611 decided |
| Joint | withheld | |
| Ethnicity Not Available | 110 | 47.3% of 74 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 330 | 24.9% of 261 decided |
| Female | 217 | 39.8% of 171 decided |
| Joint | 311 | 28.2% of 245 decided |
| Sex Not Available | 45 | 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. 1984 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