Mortgage lending in Owsley County, Kentucky
Lenders in Owsley County, Kentucky reported 89 mortgage applications for 2025, according to the CFPB.
89 mortgage applications and 27 loans originated in 2025; the denial rate was 49.3% of 67 applications decided. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Owsley County, KY.
- 89
- Applications
- 27
- Loans originated
- 49.3%
- Denial rate
- 33 denied of 67 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 89 | 27 |
| 2024 | 89 | 15 |
| 2023 | 63 | 15 |
| 2022 | 56 | 24 |
| 2021 | 54 | 22 |
| 2020 | 48 | 21 |
| 2019 | 47 | 14 |
| 2018 | 55 | 18 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 5 | 8 |
| Community Trust Bank, Inc. | 4 | 4 |
| Click n' Close, Inc. | 2 | 2 |
| Prosperity Home Mortgage, LLC | 2 | 2 |
| 21ST Mortgage | 2 | 8 |
| US Bank, N.A. | 2 | 2 |
| Vanderbilt Mortgage and Finance, Inc | 1 | 18 |
| Triad Financial Services, Inc. | 1 | 4 |
| Traditional Bank Inc | 1 | 1 |
| Farmers Bank | 1 | 1 |
| Stockton Mortgage Corporation | 1 | 1 |
| Lower, LLC | 1 | 1 |
| Union Home Mortgage Corp. | 1 | 1 |
| Village Capital & Investment | 1 | 1 |
| Das Acquisition Company, LLC | 1 | 1 |
| PNC Bank N.A. | 1 | 1 |
| Planet Home Lending, LLC | 0 | 0 |
| Southwest Stage Funding LLC | 0 | 2 |
| Data Mortgage, Inc | 0 | 0 |
| Mortgage Research Center | 0 | 5 |
| New American Funding, LLC. | 0 | 3 |
| Tammac Holdings Corporation | 0 | 1 |
| Newrez LLC | 0 | 0 |
| United Wholesale Mortgage | 0 | 1 |
| Equity Prime Mortgage LLC | 0 | 1 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Black or African American | under 10 | |
| White | 69 | 48.1% of 52 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 13 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 61 | no rate: base under 50 |
| Joint | under 10 | |
| Ethnicity Not Available | 21 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 28 | no rate: base under 50 |
| Female | 25 | no rate: base under 50 |
| Joint | 26 | no rate: base under 50 |
| Sex Not Available | 10 | 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.
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