Mortgage lending in Pulaski County, Kentucky
Lenders in Pulaski County, Kentucky reported 2,292 mortgage applications for 2025, according to the CFPB.
2,292 mortgage applications and 1,242 loans originated in 2025; the denial rate was 27.9% of 1,796 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: Pulaski County, KY.
- 2,292
- Applications
- 1,242
- Loans originated
- 27.9%
- Denial rate
- 501 denied of 1,796 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,292 | 1,242 |
| 2024 | 1,925 | 972 |
| 2023 | 1,928 | 917 |
| 2022 | 2,246 | 1,271 |
| 2021 | 2,875 | 1,765 |
| 2020 | 2,874 | 1,839 |
| 2019 | 1,921 | 1,130 |
| 2018 | 1,790 | 1,055 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| L&N Federal Credit Union | 114 | 138 |
| The Citizens National Bank of Somerset | 113 | 140 |
| New American Funding, LLC. | 111 | 160 |
| Rocket Mortgage | 102 | 148 |
| Community Trust Bank, Inc. | 76 | 92 |
| United Wholesale Mortgage | 44 | 67 |
| United Cumberland Bank | 42 | 49 |
| South Central Bank Inc | 32 | 40 |
| Mortgage Research Center | 31 | 65 |
| First Southern National Bank | 24 | 26 |
| Vanderbilt Mortgage and Finance, Inc | 21 | 213 |
| Truist Bank | 21 | 40 |
| Freedom Mortgage Corporation | 20 | 46 |
| Monticello Banking Company | 19 | 28 |
| Northpointe Bank | 19 | 31 |
| Pennymac Loan Services LLC | 17 | 37 |
| Farm Credit Mid-America, Aca | 16 | 20 |
| Forcht Bank, N.A. | 15 | 31 |
| 21ST Mortgage | 14 | 104 |
| Planet Home Lending, LLC | 13 | 15 |
| loanDepot.com LLC | 13 | 19 |
| Commonwealth Federal Credit Union | 13 | 32 |
| US Bank, N.A. | 13 | 20 |
| Navy Federal Credit Union | 12 | 20 |
| PNC Bank N.A. | 11 | 17 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 15 | no rate: base under 50 |
| Asian | under 10 | |
| Black or African American | 10 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,983 | 27.6% of 1,574 decided |
| 2 or more minority races | under 10 | |
| Joint | 23 | no rate: base under 50 |
| Race Not Available | 249 | 27.0% of 174 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 52 | no rate: base under 50 |
| Not Hispanic or Latino | 1,931 | 27.1% of 1,541 decided |
| Joint | withheld | |
| Ethnicity Not Available | 286 | 31.3% of 201 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 748 | 31.2% of 583 decided |
| Female | 524 | 32.6% of 402 decided |
| Joint | 864 | 23.4% of 698 decided |
| Sex Not Available | 156 | 22.1% of 113 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. 1756 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