Mortgage lending in McCracken County, Kentucky
Lenders in McCracken County, Kentucky reported 2,338 mortgage applications for 2025, according to the CFPB.
2,338 mortgage applications and 1,354 loans originated in 2025; the denial rate was 21.8% of 1,842 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: McCracken County, KY HUD Metro FMR Area.
- 2,338
- Applications
- 1,354
- Loans originated
- 21.8%
- Denial rate
- 401 denied of 1,842 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,338 | 1,354 |
| 2024 | 2,068 | 1,085 |
| 2023 | 1,866 | 967 |
| 2022 | 2,313 | 1,310 |
| 2021 | 3,171 | 2,036 |
| 2020 | 2,990 | 1,933 |
| 2019 | 1,725 | 1,046 |
| 2018 | 1,739 | 1,032 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| The Paducah Bank and Trust Company | 154 | 205 |
| Independence Bank of Kentucky | 97 | 123 |
| Rocket Mortgage | 86 | 134 |
| Community Financial Services Bank | 82 | 108 |
| Gershman Investment Corp. | 82 | 107 |
| Regions Bank | 82 | 142 |
| US Bank, N.A. | 75 | 140 |
| Everett Financial, Inc. | 48 | 57 |
| FNB Bank Inc | 38 | 51 |
| Mortgage Research Center | 37 | 85 |
| United Wholesale Mortgage | 36 | 59 |
| City National Bank | 35 | 37 |
| Stockton Mortgage Corporation | 29 | 50 |
| Citizens Deposit Bank | 23 | 24 |
| Old National Bank | 22 | 28 |
| Truist Bank | 21 | 27 |
| Freedom Mortgage Corporation | 20 | 36 |
| FirstTrust Home Loans | 19 | 21 |
| Magnolia Bank | 14 | 19 |
| Renasant Bank | 13 | 16 |
| First Community Bank of the Heartland, Inc. | 12 | 18 |
| Guild Mortgage Company | 11 | 14 |
| Nationstar Mortgage | 11 | 22 |
| Banterra Bank | 11 | 23 |
| Synergy One Lending, Inc. | 10 | 11 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | 24 | no rate: base under 50 |
| Black or African American | 153 | 45.8% of 118 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,750 | 20.2% of 1,398 decided |
| 2 or more minority races | under 10 | |
| Joint | 54 | no rate: base under 50 |
| Race Not Available | 339 | 17.9% of 263 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 50 | no rate: base under 50 |
| Not Hispanic or Latino | 1,870 | 21.6% of 1,480 decided |
| Joint | 32 | no rate: base under 50 |
| Ethnicity Not Available | 386 | 19.2% of 291 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 762 | 23.3% of 588 decided |
| Female | 533 | 30.3% of 419 decided |
| Joint | 791 | 15.6% of 636 decided |
| Sex Not Available | 252 | 19.1% of 199 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. 1562 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