Mortgage lending in Pendleton County, Kentucky
Lenders in Pendleton County, Kentucky reported 678 mortgage applications for 2025, according to the CFPB.
678 mortgage applications and 367 loans originated in 2025; the denial rate was 29.6% of 540 applications decided. The median loan was about $165,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cincinnati, OH-KY-IN HUD Metro FMR Area.
- 678
- Applications
- 367
- Loans originated
- 29.6%
- Denial rate
- 160 denied of 540 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 678 | 367 |
| 2024 | 567 | 291 |
| 2023 | 544 | 280 |
| 2022 | 594 | 338 |
| 2021 | 870 | 496 |
| 2020 | 741 | 399 |
| 2019 | 556 | 293 |
| 2018 | 499 | 259 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Fifth Third Bank, National Association | 33 | 62 |
| Heritage Bank, INC | 26 | 27 |
| US Bank, N.A. | 26 | 52 |
| Rocket Mortgage | 20 | 35 |
| The First National Bank of Brooksville | 15 | 20 |
| Stockton Mortgage Corporation | 15 | 20 |
| Truist Bank | 15 | 27 |
| Union Home Mortgage Corp. | 14 | 17 |
| NFM, Inc | 11 | 14 |
| Farm Credit Mid-America, Aca | 10 | 14 |
| Crosscountry Mortgage, LLC | 10 | 18 |
| Mortgage Research Center | 9 | 13 |
| Success Mortgage Partners, Inc | 9 | 9 |
| Community Trust Bank, Inc. | 8 | 10 |
| First Financial Bank | 8 | 9 |
| Guardian Savings Bank | 7 | 10 |
| United Wholesale Mortgage | 7 | 10 |
| Huntington National Bank | 6 | 14 |
| Freedom Mortgage Corporation | 6 | 12 |
| Forcht Bank, N.A. | 6 | 7 |
| Guaranteed Rate, Inc. | 6 | 8 |
| Cinfed Federal Credit Union | 6 | 6 |
| Polaris Home Funding Corp. | 5 | 7 |
| Pennymac Loan Services LLC | 5 | 7 |
| Vanderbilt Mortgage and Finance, Inc | 4 | 49 |
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 | 604 | 29.4% of 486 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 52 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 585 | 28.6% of 472 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 78 | 33.3% of 54 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 298 | 29.3% of 229 decided |
| Female | 126 | 37.0% of 92 decided |
| Joint | 224 | 25.4% of 197 decided |
| Sex Not Available | 30 | 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. 1566 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