Mortgage lending in Shelby County, Kentucky
Lenders in Shelby County, Kentucky reported 2,242 mortgage applications for 2025, according to the CFPB.
2,242 mortgage applications and 1,407 loans originated in 2025; the denial rate was 20.0% of 1,820 applications decided. The median loan was about $215,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Shelby County, KY HUD Metro FMR Area.
- 2,242
- Applications
- 1,407
- Loans originated
- 20.0%
- Denial rate
- 364 denied of 1,820 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 2,242 | 1,407 |
| 2024 | 2,023 | 1,252 |
| 2023 | 1,931 | 1,204 |
| 2022 | 2,774 | 1,771 |
| 2021 | 3,756 | 2,521 |
| 2020 | 3,889 | 2,615 |
| 2019 | 2,589 | 1,647 |
| 2018 | 2,319 | 1,462 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Commonwealth Federal Credit Union | 94 | 163 |
| German American Bank | 85 | 114 |
| Rocket Mortgage | 83 | 108 |
| Stock Yards Bank & Trust Company | 77 | 113 |
| United Wholesale Mortgage | 74 | 96 |
| Traditional Bank Inc | 63 | 77 |
| Fifth Third Bank, National Association | 53 | 90 |
| Independence Bank of Kentucky | 50 | 64 |
| Republic Bank & Trust | 45 | 74 |
| Northpointe Bank | 39 | 63 |
| Victory Mortgage, LLC | 34 | 39 |
| First Financial Bank | 34 | 54 |
| Vanderbilt Mortgage and Finance, Inc | 33 | 70 |
| DHI Mortgage Company, LTD. | 22 | 33 |
| L&N Federal Credit Union | 17 | 25 |
| JPMorgan Chase Bank, NA | 17 | 22 |
| Pulte Mortgage LLC | 16 | 25 |
| Fairway Independent Mort Corp | 16 | 28 |
| Stockton Mortgage Corporation | 16 | 19 |
| University of KY Fcu | 15 | 27 |
| US Bank, N.A. | 15 | 30 |
| EMM Loans LLC | 14 | 17 |
| Magnolia Bank | 14 | 17 |
| Mortgage Research Center | 13 | 27 |
| Freedom Mortgage Corporation | 13 | 38 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | 17 | no rate: base under 50 |
| Black or African American | 102 | 35.8% of 81 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 1,780 | 18.6% of 1,456 decided |
| 2 or more minority races | under 10 | |
| Joint | 32 | no rate: base under 50 |
| Race Not Available | 300 | 23.3% of 236 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 125 | 29.5% of 105 decided |
| Not Hispanic or Latino | 1,789 | 19.1% of 1,459 decided |
| Joint | 42 | no rate: base under 50 |
| Ethnicity Not Available | 286 | 22.0% of 223 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 742 | 24.6% of 598 decided |
| Female | 418 | 22.6% of 328 decided |
| Joint | 927 | 14.5% of 774 decided |
| Sex Not Available | 155 | 25.8% of 120 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. 888 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