Mortgage lending in Scott County, Kentucky
Lenders in Scott County, Kentucky reported 3,184 mortgage applications for 2025, according to the CFPB.
3,184 mortgage applications and 2,004 loans originated in 2025; the denial rate was 19.0% of 2,599 applications decided. The median loan was about $235,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lexington-Fayette, KY MSA.
- 3,184
- Applications
- 2,004
- Loans originated
- 19.0%
- Denial rate
- 495 denied of 2,599 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 3,184 | 2,004 |
| 2024 | 2,829 | 1,745 |
| 2023 | 2,476 | 1,515 |
| 2022 | 3,246 | 2,106 |
| 2021 | 5,108 | 3,531 |
| 2020 | 5,062 | 3,519 |
| 2019 | 3,306 | 2,295 |
| 2018 | 2,758 | 1,852 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 153 | 193 |
| Commonwealth Federal Credit Union | 131 | 206 |
| Stockton Mortgage Corporation | 116 | 150 |
| Fifth Third Bank, National Association | 92 | 155 |
| University of KY Fcu | 88 | 146 |
| Ark-LA-Tex Financial Services LLC | 87 | 107 |
| Central Bank & Trust Co | 62 | 77 |
| United Wholesale Mortgage | 61 | 74 |
| Stock Yards Bank & Trust Company | 54 | 78 |
| Guardian Savings Bank | 49 | 61 |
| Wesbanco Bank, Inc. | 47 | 76 |
| Republic Bank & Trust | 43 | 58 |
| Whitaker Bank Inc | 41 | 62 |
| Community Trust Bank, Inc. | 40 | 51 |
| Freedom Mortgage Corporation | 36 | 54 |
| South Central Bank Inc | 33 | 38 |
| Acrisure Mortgage, LLC | 31 | 40 |
| New American Funding, LLC. | 31 | 57 |
| Mortgage Research Center | 29 | 58 |
| Peoples Exchange Bank | 27 | 43 |
| US Bank, N.A. | 26 | 43 |
| Luminate Bank | 24 | 29 |
| Pennymac Loan Services LLC | 23 | 57 |
| Communityamerica Federal Credit Union | 22 | 48 |
| JPMorgan Chase Bank, NA | 21 | 30 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 47 | no rate: base under 50 |
| Black or African American | 123 | 25.0% of 100 decided |
| Native Hawaiian or Other Pacific Islander | 10 | no rate: base under 50 |
| White | 2,469 | 17.8% of 2,035 decided |
| 2 or more minority races | under 10 | |
| Joint | 67 | 19.6% of 51 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 459 | 22.2% of 360 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 154 | 38.1% of 126 decided |
| Not Hispanic or Latino | 2,510 | 17.8% of 2,073 decided |
| Joint | 54 | no rate: base under 50 |
| Ethnicity Not Available | 466 | 18.6% of 354 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,074 | 20.5% of 843 decided |
| Female | 592 | 24.3% of 506 decided |
| Joint | 1,236 | 15.2% of 1,034 decided |
| Sex Not Available | 282 | 19.4% of 216 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. 681 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