Mortgage lending in Mercer County, Kentucky
Lenders in Mercer County, Kentucky reported 1,119 mortgage applications for 2025, according to the CFPB.
1,119 mortgage applications and 625 loans originated in 2025; the denial rate was 26.8% of 894 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: Mercer County, KY.
- 1,119
- Applications
- 625
- Loans originated
- 26.8%
- Denial rate
- 240 denied of 894 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,119 | 625 |
| 2024 | 935 | 560 |
| 2023 | 964 | 576 |
| 2022 | 1,136 | 707 |
| 2021 | 1,482 | 916 |
| 2020 | 1,254 | 799 |
| 2019 | 980 | 609 |
| 2018 | 847 | 502 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Whitaker Bank Inc | 57 | 69 |
| Commonwealth Federal Credit Union | 46 | 77 |
| Rocket Mortgage | 36 | 64 |
| Community Trust Bank, Inc. | 35 | 40 |
| New American Funding, LLC. | 29 | 48 |
| Ark-LA-Tex Financial Services LLC | 23 | 33 |
| United Wholesale Mortgage | 23 | 31 |
| First Financial Bank | 21 | 32 |
| Abound Federal Credit Union | 20 | 27 |
| Fifth Third Bank, National Association | 19 | 48 |
| T2 Financial LLC | 17 | 17 |
| University of KY Fcu | 15 | 25 |
| Mortgage Research Center | 12 | 26 |
| Guardian Savings Bank | 10 | 15 |
| Freedom Mortgage Corporation | 9 | 21 |
| Stockton Mortgage Corporation | 9 | 17 |
| Navy Federal Credit Union | 8 | 13 |
| Republic State Mortgage Company | 7 | 10 |
| Central Kentucky Agricultural | 7 | 7 |
| JPMorgan Chase Bank, NA | 7 | 9 |
| Wesbanco Bank, Inc. | 7 | 10 |
| Renasant Bank | 6 | 9 |
| Farm Credit Mid-America, Aca | 6 | 6 |
| Newrez LLC | 6 | 16 |
| PNC Bank N.A. | 6 | 16 |
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 | 28 | no rate: base under 50 |
| White | 917 | 25.8% of 736 decided |
| 2 or more minority races | under 10 | |
| Joint | 20 | no rate: base under 50 |
| Race Not Available | 145 | 32.1% of 112 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 33 | no rate: base under 50 |
| Not Hispanic or Latino | 927 | 26.0% of 746 decided |
| Joint | 16 | no rate: base under 50 |
| Ethnicity Not Available | 143 | 34.8% of 112 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 394 | 28.4% of 306 decided |
| Female | 229 | 32.6% of 187 decided |
| Joint | 420 | 21.8% of 339 decided |
| Sex Not Available | 76 | 29.0% of 62 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. 1565 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