Mortgage lending in Madison County, Kentucky
Lenders in Madison County, Kentucky reported 4,122 mortgage applications for 2025, according to the CFPB.
4,122 mortgage applications and 2,442 loans originated in 2025; the denial rate was 20.9% of 3,292 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Madison County, KY.
- 4,122
- Applications
- 2,442
- Loans originated
- 20.9%
- Denial rate
- 688 denied of 3,292 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,122 | 2,442 |
| 2024 | 3,603 | 2,168 |
| 2023 | 3,159 | 1,929 |
| 2022 | 4,291 | 2,701 |
| 2021 | 5,968 | 3,995 |
| 2020 | 5,504 | 3,706 |
| 2019 | 3,889 | 2,508 |
| 2018 | 3,301 | 2,090 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Ark-LA-Tex Financial Services LLC | 156 | 201 |
| T2 Financial LLC | 155 | 186 |
| Rocket Mortgage | 150 | 198 |
| Whitaker Bank Inc | 135 | 153 |
| US Bank, N.A. | 115 | 195 |
| University of KY Fcu | 92 | 163 |
| Commonwealth Federal Credit Union | 79 | 145 |
| United Wholesale Mortgage | 71 | 99 |
| Central Bank & Trust Co | 66 | 79 |
| Community Trust Bank, Inc. | 65 | 94 |
| Fifth Third Bank, National Association | 60 | 101 |
| Mortgage Research Center | 59 | 116 |
| New American Funding, LLC. | 56 | 91 |
| Stock Yards Bank & Trust Company | 53 | 84 |
| Stockton Mortgage Corporation | 53 | 84 |
| Freedom Mortgage Corporation | 52 | 98 |
| Park Community Credit Union | 48 | 74 |
| Guardian Savings Bank | 41 | 57 |
| PNC Bank N.A. | 41 | 71 |
| Pennymac Loan Services LLC | 31 | 60 |
| Ixonia Bank | 30 | 38 |
| Cumberland Valley National Bank & Trust Co | 28 | 28 |
| First Southern National Bank | 27 | 27 |
| JPMorgan Chase Bank, NA | 24 | 42 |
| Luminate Bank | 21 | 27 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 13 | no rate: base under 50 |
| Asian | 40 | no rate: base under 50 |
| Black or African American | 84 | 26.6% of 64 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 3,369 | 20.7% of 2,696 decided |
| 2 or more minority races | under 10 | |
| Joint | 63 | no rate: base under 50 |
| Race Not Available | 542 | 20.5% of 430 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 99 | 37.3% of 75 decided |
| Not Hispanic or Latino | 3,361 | 20.4% of 2,691 decided |
| Joint | withheld | |
| Ethnicity Not Available | 581 | 19.9% of 463 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,306 | 20.1% of 1,053 decided |
| Female | 854 | 26.1% of 648 decided |
| Joint | 1,583 | 19.1% of 1,290 decided |
| Sex Not Available | 379 | 19.9% of 301 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. 887 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