Mortgage lending in Spencer County, Kentucky
Lenders in Spencer County, Kentucky reported 1,000 mortgage applications for 2025, according to the CFPB.
1,000 mortgage applications and 647 loans originated in 2025; the denial rate was 17.7% of 823 applications decided. The median loan was about $225,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Louisville, KY-IN HUD Metro FMR Area.
- 1,000
- Applications
- 647
- Loans originated
- 17.7%
- Denial rate
- 146 denied of 823 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,000 | 647 |
| 2024 | 870 | 541 |
| 2023 | 820 | 504 |
| 2022 | 1,159 | 760 |
| 2021 | 1,822 | 1,250 |
| 2020 | 1,861 | 1,279 |
| 2019 | 1,275 | 833 |
| 2018 | 1,056 | 668 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 62 | 78 |
| United Wholesale Mortgage | 47 | 55 |
| The Peoples Bank | 40 | 50 |
| German American Bank | 37 | 51 |
| Northpointe Bank | 26 | 45 |
| L&N Federal Credit Union | 22 | 29 |
| Fifth Third Bank, National Association | 21 | 34 |
| PNC Bank N.A. | 20 | 35 |
| Stock Yards Bank & Trust Company | 13 | 17 |
| Interlinc Mortgage Services, LLC | 13 | 16 |
| Commonwealth Federal Credit Union | 12 | 17 |
| Fairway Independent Mort Corp | 12 | 19 |
| Union Home Mortgage Corp. | 11 | 12 |
| US Bank, N.A. | 11 | 27 |
| Republic Bank & Trust | 11 | 20 |
| The Loan Store, Inc | 9 | 11 |
| Prosperity Home Mortgage, LLC | 9 | 10 |
| Liberty Federal Credit Union | 9 | 9 |
| Freedom Mortgage Corporation | 9 | 20 |
| Pennymac Loan Services LLC | 9 | 13 |
| First Harrison Bank | 8 | 9 |
| First Financial Bank | 8 | 10 |
| Farm Credit Mid-America, Aca | 7 | 9 |
| Park Community Credit Union | 7 | 9 |
| Traditional Bank Inc | 7 | 8 |
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 | 11 | no rate: base under 50 |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 858 | 17.9% of 715 decided |
| Joint | under 10 | |
| Free Form Text Only | under 10 | |
| Race Not Available | 112 | 18.3% of 82 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 866 | 17.2% of 723 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 117 | 18.4% of 87 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 313 | 17.8% of 258 decided |
| Female | 154 | 19.4% of 124 decided |
| Joint | 444 | 16.5% of 376 decided |
| Sex Not Available | 89 | 21.5% of 65 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. 758 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