Mortgage lending in Rowan County, Kentucky
Lenders in Rowan County, Kentucky reported 706 mortgage applications for 2025, according to the CFPB.
706 mortgage applications and 328 loans originated in 2025; the denial rate was 36.3% of 554 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: Rowan County, KY.
- 706
- Applications
- 328
- Loans originated
- 36.3%
- Denial rate
- 201 denied of 554 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 706 | 328 |
| 2024 | 566 | 268 |
| 2023 | 538 | 254 |
| 2022 | 666 | 324 |
| 2021 | 876 | 463 |
| 2020 | 865 | 479 |
| 2019 | 598 | 340 |
| 2018 | 471 | 241 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Stock Yards Bank & Trust Company | 33 | 54 |
| Whitaker Bank Inc | 25 | 34 |
| First National Bank of Grayson | 23 | 34 |
| US Bank, N.A. | 23 | 36 |
| Rocket Mortgage | 19 | 32 |
| United Wholesale Mortgage | 18 | 24 |
| Vanderbilt Mortgage and Finance, Inc | 13 | 105 |
| Ark-LA-Tex Financial Services LLC | 11 | 11 |
| Navy Federal Credit Union | 9 | 11 |
| Community Trust Bank, Inc. | 7 | 9 |
| Union Home Mortgage Corp. | 7 | 10 |
| Everett Financial, Inc. | 6 | 7 |
| Peoples Bank of Kentucky, Inc | 5 | 5 |
| Stockton Mortgage Corporation | 5 | 9 |
| Republic State Mortgage Company | 4 | 4 |
| Commonwealth Federal Credit Union | 4 | 7 |
| University of KY Fcu | 4 | 7 |
| Deephaven Mortgage LLC | 4 | 5 |
| Coastal Community Bank | 3 | 6 |
| Click n' Close, Inc. | 3 | 3 |
| Movement Mortgage, LLC | 3 | 4 |
| Mortgage Research Center | 3 | 11 |
| CMG Mortgage Inc | 3 | 3 |
| Freedom Mortgage Corporation | 3 | 7 |
| Goprime Mortgage, Inc. | 3 | 4 |
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 | 607 | 37.0% of 473 decided |
| Joint | under 10 | |
| Race Not Available | 86 | 31.9% of 69 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 587 | 37.1% of 463 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 111 | 32.2% of 87 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 219 | 37.5% of 160 decided |
| Female | 162 | 50.0% of 132 decided |
| Joint | 264 | 27.6% of 214 decided |
| Sex Not Available | 61 | 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. 1757 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