Mortgage lending in Warren County, Kentucky
Lenders in Warren County, Kentucky reported 4,789 mortgage applications for 2025, according to the CFPB.
4,789 mortgage applications and 3,141 loans originated in 2025; the denial rate was 15.6% of 3,930 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: Bowling Green, KY HUD Metro FMR Area.
- 4,789
- Applications
- 3,141
- Loans originated
- 15.6%
- Denial rate
- 614 denied of 3,930 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 4,789 | 3,141 |
| 2024 | 4,419 | 2,944 |
| 2023 | 4,175 | 2,751 |
| 2022 | 5,642 | 3,808 |
| 2021 | 8,246 | 5,775 |
| 2020 | 8,212 | 5,809 |
| 2019 | 5,286 | 3,713 |
| 2018 | 4,791 | 3,300 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| South Central Bank Inc | 244 | 301 |
| American Bank & Trust Company Inc. | 237 | 285 |
| Atlantic Bay Mortgage Group | 174 | 225 |
| Rocket Mortgage | 170 | 233 |
| Liberty Federal Credit Union | 167 | 222 |
| US Bank, N.A. | 150 | 257 |
| Abound Federal Credit Union | 140 | 195 |
| First Community Mortgage, Inc. | 120 | 155 |
| German American Bank | 98 | 122 |
| Truist Bank | 68 | 124 |
| Union Home Mortgage Corp. | 64 | 76 |
| Acrisure Mortgage, LLC | 62 | 73 |
| United Wholesale Mortgage | 60 | 84 |
| Independence Bank of Kentucky | 55 | 75 |
| Franklin Bank & Trust Company | 55 | 57 |
| First Southern National Bank | 48 | 50 |
| Stockton Mortgage Corporation | 48 | 69 |
| Mortgage Research Center | 45 | 85 |
| Firstbank | 44 | 58 |
| Farmers Bank and Trust Company | 44 | 51 |
| Bank of Edmonson County | 44 | 51 |
| Pennymac Loan Services LLC | 43 | 76 |
| Edmonton State Bank | 39 | 72 |
| PNC Bank N.A. | 38 | 78 |
| Freedom Mortgage Corporation | 35 | 76 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 20 | no rate: base under 50 |
| Asian | 201 | 20.8% of 168 decided |
| Black or African American | 221 | 31.6% of 177 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 3,474 | 14.8% of 2,864 decided |
| 2 or more minority races | under 10 | |
| Joint | 78 | 15.8% of 57 decided |
| Race Not Available | 782 | 13.4% of 640 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 226 | 19.9% of 176 decided |
| Not Hispanic or Latino | 3,704 | 15.8% of 3,050 decided |
| Joint | withheld | |
| Ethnicity Not Available | 794 | 13.9% of 653 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,519 | 19.0% of 1,217 decided |
| Female | 859 | 21.1% of 705 decided |
| Joint | 1,848 | 12.3% of 1,531 decided |
| Sex Not Available | 563 | 9.4% of 477 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. 889 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