Mortgage lending in Powell County, Kentucky
Lenders in Powell County, Kentucky reported 528 mortgage applications for 2025, according to the CFPB.
528 mortgage applications and 265 loans originated in 2025; the denial rate was 30.5% of 406 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Powell County, KY.
- 528
- Applications
- 265
- Loans originated
- 30.5%
- Denial rate
- 124 denied of 406 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 528 | 265 |
| 2024 | 479 | 201 |
| 2023 | 484 | 203 |
| 2022 | 464 | 243 |
| 2021 | 559 | 307 |
| 2020 | 469 | 263 |
| 2019 | 417 | 223 |
| 2018 | 411 | 223 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Whitaker Bank Inc | 31 | 41 |
| Peoples Exchange Bank | 20 | 31 |
| Community Trust Bank, Inc. | 19 | 21 |
| Rocket Mortgage | 19 | 25 |
| Vanderbilt Mortgage and Finance, Inc | 14 | 78 |
| Luminate Bank | 12 | 17 |
| Republic State Mortgage Company | 11 | 12 |
| Union Home Mortgage Corp. | 11 | 18 |
| Traditional Bank Inc | 10 | 12 |
| New American Funding, LLC. | 8 | 24 |
| United Wholesale Mortgage | 7 | 11 |
| Ark-LA-Tex Financial Services LLC | 5 | 6 |
| 21ST Mortgage | 5 | 23 |
| Commonwealth Federal Credit Union | 4 | 7 |
| Mortgage Research Center | 4 | 12 |
| University of KY Fcu | 4 | 10 |
| Ruoff Mortgage Company | 3 | 4 |
| Equity Prime Mortgage LLC | 3 | 4 |
| Stockton Mortgage Corporation | 3 | 3 |
| Lower, LLC | 3 | 4 |
| City 1st Mortgage Services, LC | 3 | 4 |
| US Bank, N.A. | 3 | 6 |
| JPMorgan Chase Bank, NA | 3 | 4 |
| Pennymac Loan Services LLC | 3 | 5 |
| AdvantageFirst Lending Inc | 2 | 2 |
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 | |
| White | 460 | 30.0% of 360 decided |
| Joint | under 10 | |
| Race Not Available | 54 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 439 | 27.7% of 347 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 78 | 47.1% of 51 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 169 | 27.9% of 122 decided |
| Female | 131 | 50.0% of 104 decided |
| Joint | 193 | 19.9% of 156 decided |
| Sex Not Available | 35 | 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. 1755 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