Mortgage lending in Montgomery County, Kentucky
Lenders in Montgomery County, Kentucky reported 1,144 mortgage applications for 2025, according to the CFPB.
1,144 mortgage applications and 648 loans originated in 2025; the denial rate was 24.2% of 895 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Montgomery County, KY.
- 1,144
- Applications
- 648
- Loans originated
- 24.2%
- Denial rate
- 217 denied of 895 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,144 | 648 |
| 2024 | 1,098 | 597 |
| 2023 | 955 | 542 |
| 2022 | 1,250 | 716 |
| 2021 | 1,529 | 923 |
| 2020 | 1,369 | 856 |
| 2019 | 981 | 618 |
| 2018 | 937 | 570 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Traditional Bank Inc | 109 | 131 |
| Community Trust Bank, Inc. | 48 | 60 |
| Republic State Mortgage Company | 44 | 51 |
| Rocket Mortgage | 40 | 54 |
| United Wholesale Mortgage | 23 | 29 |
| Peoples Exchange Bank | 23 | 37 |
| Whitaker Bank Inc | 20 | 30 |
| Mortgage Research Center | 18 | 35 |
| University of KY Fcu | 18 | 27 |
| Commonwealth Federal Credit Union | 17 | 34 |
| New American Funding, LLC. | 14 | 36 |
| Ark-LA-Tex Financial Services LLC | 13 | 22 |
| Stock Yards Bank & Trust Company | 12 | 18 |
| Vanderbilt Mortgage and Finance, Inc | 11 | 108 |
| Central Bank & Trust Co | 9 | 11 |
| Farm Credit Mid-America, Aca | 8 | 11 |
| City National Bank of WV | 8 | 22 |
| Lower, LLC | 8 | 9 |
| Nationstar Mortgage | 7 | 9 |
| US Bank, N.A. | 7 | 21 |
| Citizens Bank, NA | 7 | 9 |
| Pennymac Loan Services LLC | 7 | 15 |
| T2 Financial LLC | 6 | 8 |
| Stockton Mortgage Corporation | 6 | 8 |
| Members Heritage CU | 6 | 6 |
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 | 21 | no rate: base under 50 |
| White | 999 | 24.5% of 793 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 110 | 15.2% of 79 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 20 | no rate: base under 50 |
| Not Hispanic or Latino | 969 | 23.9% of 783 decided |
| Joint | 11 | no rate: base under 50 |
| Ethnicity Not Available | 144 | 25.8% of 93 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 378 | 26.9% of 301 decided |
| Female | 265 | 31.5% of 203 decided |
| Joint | 420 | 18.9% of 333 decided |
| Sex Not Available | 81 | 15.5% of 58 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. 1754 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