Mortgage lending in Monroe County, Kentucky
Lenders in Monroe County, Kentucky reported 321 mortgage applications for 2025, according to the CFPB.
321 mortgage applications and 173 loans originated in 2025; the denial rate was 30.9% of 265 applications decided. The median loan was about $115,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Monroe County, KY.
- 321
- Applications
- 173
- Loans originated
- 30.9%
- Denial rate
- 82 denied of 265 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 321 | 173 |
| 2024 | 281 | 166 |
| 2023 | 242 | 142 |
| 2022 | 292 | 175 |
| 2021 | 437 | 259 |
| 2020 | 421 | 279 |
| 2019 | 274 | 171 |
| 2018 | 197 | 125 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| South Central Bank Inc | 63 | 81 |
| Edmonton State Bank | 54 | 79 |
| Rocket Mortgage | 8 | 14 |
| US Bank, N.A. | 5 | 12 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 31 |
| Macon Bank and Trust Company | 4 | 4 |
| Mortgage Research Center | 4 | 10 |
| Freedom Mortgage Corporation | 4 | 8 |
| 21ST Mortgage | 3 | 12 |
| Princeton Mortgage Corporation | 2 | 2 |
| Atlantic Bay Mortgage Group | 2 | 2 |
| New Day Financial, LLC. | 2 | 2 |
| FirstTrust Home Loans | 1 | 1 |
| AmeriHome Mortgage Company, LLC | 1 | 2 |
| Abound Federal Credit Union | 1 | 5 |
| Coastal Community Bank | 1 | 3 |
| Zillow Home Loans, LLC | 1 | 1 |
| Farm Credit Mid-America, Aca | 1 | 2 |
| loanDepot.com LLC | 1 | 2 |
| United Wholesale Mortgage | 1 | 1 |
| Nationstar Mortgage | 1 | 1 |
| Longbridge Financial, LLC | 1 | 1 |
| Stockton Mortgage Corporation | 1 | 2 |
| Magnolia Bank | 1 | 1 |
| Union Home Mortgage Corp. | 1 | 1 |
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 | under 10 | |
| White | 284 | 29.5% of 237 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 25 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 272 | 26.2% of 225 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 39 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 103 | 25.0% of 84 decided |
| Female | 79 | 35.6% of 59 decided |
| Joint | 120 | 28.6% of 105 decided |
| Sex Not Available | 19 | 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. 2569 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