Mortgage lending in Metcalfe County, Kentucky
Lenders in Metcalfe County, Kentucky reported 334 mortgage applications for 2025, according to the CFPB.
334 mortgage applications and 180 loans originated in 2025; the denial rate was 29.1% of 265 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: Metcalfe County, KY.
- 334
- Applications
- 180
- Loans originated
- 29.1%
- Denial rate
- 77 denied of 265 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 334 | 180 |
| 2024 | 290 | 153 |
| 2023 | 240 | 130 |
| 2022 | 278 | 166 |
| 2021 | 368 | 211 |
| 2020 | 356 | 210 |
| 2019 | 237 | 122 |
| 2018 | 249 | 123 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Edmonton State Bank | 56 | 77 |
| South Central Bank Inc | 39 | 44 |
| Rocket Mortgage | 9 | 15 |
| Abound Federal Credit Union | 7 | 12 |
| Farm Credit Mid-America, Aca | 6 | 9 |
| Atlantic Bay Mortgage Group | 5 | 8 |
| US Bank, N.A. | 5 | 8 |
| The Cecilian Bank | 4 | 6 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 34 |
| German American Bank | 3 | 5 |
| Community Trust Bank, Inc. | 2 | 4 |
| Huntington National Bank | 2 | 2 |
| Liberty Federal Credit Union | 2 | 2 |
| Ruoff Mortgage Company | 2 | 2 |
| United Wholesale Mortgage | 2 | 3 |
| Mutual of Omaha Mortgage | 2 | 3 |
| Magnolia Bank | 2 | 4 |
| Everett Financial, Inc. | 2 | 8 |
| Amerisave Mortgage Company | 2 | 5 |
| Peoples Bank | 2 | 3 |
| Pennymac Loan Services LLC | 2 | 5 |
| Figure Lending LLC | 1 | 2 |
| Coastal Community Bank | 1 | 2 |
| Geneva Financial LLC | 1 | 1 |
| Planet Home Lending, LLC | 1 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 291 | 27.4% of 234 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 26 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 289 | 27.0% of 230 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 35 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 92 | 18.5% of 65 decided |
| Female | 71 | 37.7% of 61 decided |
| Joint | 153 | 29.9% of 127 decided |
| Sex Not Available | 18 | 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. 2168 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