Mortgage lending in Ohio County, Kentucky
Lenders in Ohio County, Kentucky reported 783 mortgage applications for 2025, according to the CFPB.
783 mortgage applications and 398 loans originated in 2025; the denial rate was 28.9% of 608 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Ohio County, KY.
- 783
- Applications
- 398
- Loans originated
- 28.9%
- Denial rate
- 176 denied of 608 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 783 | 398 |
| 2024 | 661 | 349 |
| 2023 | 631 | 317 |
| 2022 | 764 | 393 |
| 2021 | 908 | 520 |
| 2020 | 803 | 456 |
| 2019 | 706 | 364 |
| 2018 | 670 | 310 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Liberty Federal Credit Union | 59 | 78 |
| Rocket Mortgage | 31 | 40 |
| Morgantown Bank & Trust Co Inc | 26 | 29 |
| First United Bank & Trust Company | 23 | 27 |
| Peoples Bank | 22 | 33 |
| The Cecilian Bank | 20 | 23 |
| Mortgage Research Center | 11 | 21 |
| United Wholesale Mortgage | 11 | 18 |
| First Community Mortgage, Inc. | 11 | 13 |
| New American Funding, LLC. | 10 | 18 |
| Union Home Mortgage Corp. | 10 | 12 |
| Independence Bank of Kentucky | 8 | 17 |
| Old National Bank | 7 | 9 |
| South Central Bank Inc | 7 | 10 |
| Lower, LLC | 7 | 9 |
| 21ST Mortgage | 7 | 60 |
| Fifth Third Bank, National Association | 7 | 16 |
| Leaderone Financial Corp. | 6 | 6 |
| Vanderbilt Mortgage and Finance, Inc | 5 | 38 |
| Farm Credit Mid-America, Aca | 5 | 11 |
| Freedom Mortgage Corporation | 5 | 11 |
| JPMorgan Chase Bank, NA | 5 | 10 |
| US Bank, N.A. | 4 | 13 |
| Pennymac Loan Services LLC | 4 | 12 |
| Heritage Federal Credit Union | 3 | 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 | under 10 | |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 704 | 27.5% of 552 decided |
| 2 or more minority races | under 10 | |
| Joint | 12 | no rate: base under 50 |
| Race Not Available | 54 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 685 | 27.2% of 537 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 78 | 42.1% of 57 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 294 | 28.4% of 232 decided |
| Female | 138 | 31.3% of 99 decided |
| Joint | 309 | 27.1% of 247 decided |
| Sex Not Available | 42 | 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. 1985 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