Mortgage lending in Nelson County, Kentucky
Lenders in Nelson County, Kentucky reported 2,030 mortgage applications for 2025, according to the CFPB.
2,030 mortgage applications and 1,306 loans originated in 2025; the denial rate was 16.7% of 1,644 applications decided. The median loan was about $195,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Nelson County, KY HUD Metro FMR Area.
- 2,030
- Applications
- 1,306
- Loans originated
- 16.7%
- Denial rate
- 275 denied of 1,644 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,030 | 1,306 |
| 2024 | 1,874 | 1,197 |
| 2023 | 1,634 | 997 |
| 2022 | 1,976 | 1,229 |
| 2021 | 3,076 | 2,025 |
| 2020 | 3,022 | 1,998 |
| 2019 | 2,141 | 1,473 |
| 2018 | 1,943 | 1,269 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 109 | 146 |
| Abound Federal Credit Union | 102 | 151 |
| United Wholesale Mortgage | 81 | 98 |
| The Lincoln National Bank of Hodgenville | 72 | 81 |
| Town & Country Bank and Trust Co. | 66 | 75 |
| PNC Bank N.A. | 62 | 83 |
| Wilson & Muir Bank & Trust Company | 56 | 61 |
| Mortgage Research Center | 30 | 55 |
| L&N Federal Credit Union | 30 | 34 |
| Fairway Independent Mort Corp | 28 | 44 |
| Magnolia Bank | 27 | 35 |
| Northpointe Bank | 27 | 37 |
| Union Home Mortgage Corp. | 23 | 31 |
| Wesbanco Bank, Inc. | 23 | 41 |
| Stock Yards Bank & Trust Company | 21 | 40 |
| Freedom Mortgage Corporation | 21 | 41 |
| Pennymac Loan Services LLC | 20 | 45 |
| Stockton Mortgage Corporation | 16 | 30 |
| US Bank, N.A. | 14 | 27 |
| New American Funding, LLC. | 13 | 28 |
| South Central Bank Inc | 13 | 21 |
| Commonwealth Federal Credit Union | 12 | 19 |
| Success Mortgage Partners, Inc | 12 | 13 |
| First Harrison Bank | 11 | 12 |
| Kind Lending, LLC | 11 | 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 | 62 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,685 | 16.8% of 1,385 decided |
| 2 or more minority races | under 10 | |
| Joint | 30 | no rate: base under 50 |
| Race Not Available | 235 | 17.4% of 178 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 43 | no rate: base under 50 |
| Not Hispanic or Latino | 1,720 | 15.8% of 1,407 decided |
| Joint | withheld | |
| Ethnicity Not Available | 253 | 23.0% of 191 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 725 | 18.8% of 560 decided |
| Female | 425 | 22.5% of 346 decided |
| Joint | 725 | 11.3% of 619 decided |
| Sex Not Available | 155 | 18.5% of 119 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. 1138 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