Mortgage lending in Morgan County, Kentucky
Lenders in Morgan County, Kentucky reported 204 mortgage applications for 2025, according to the CFPB.
204 mortgage applications and 86 loans originated in 2025; the denial rate was 38.4% of 159 applications decided. The median loan was about $150,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Morgan County, KY.
- 204
- Applications
- 86
- Loans originated
- 38.4%
- Denial rate
- 61 denied of 159 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 204 | 86 |
| 2024 | 196 | 74 |
| 2023 | 195 | 87 |
| 2022 | 228 | 91 |
| 2021 | 298 | 140 |
| 2020 | 252 | 109 |
| 2019 | 180 | 84 |
| 2018 | 142 | 57 |
The largest lenders here
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| White | 177 | 41.8% of 141 decided |
| Joint | under 10 | |
| Race Not Available | withheld |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 169 | 37.8% of 135 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 30 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 68 | 49.1% of 53 decided |
| Female | 38 | no rate: base under 50 |
| Joint | 87 | 32.9% of 73 decided |
| Sex Not Available | 11 | 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. 1902 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