Mortgage lending in Wayne County, Kentucky
Lenders in Wayne County, Kentucky reported 488 mortgage applications for 2025, according to the CFPB.
488 mortgage applications and 263 loans originated in 2025; the denial rate was 28.2% of 386 applications decided. The median loan was about $135,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Wayne County, KY.
- 488
- Applications
- 263
- Loans originated
- 28.2%
- Denial rate
- 109 denied of 386 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 488 | 263 |
| 2024 | 454 | 228 |
| 2023 | 455 | 245 |
| 2022 | 560 | 322 |
| 2021 | 717 | 437 |
| 2020 | 717 | 467 |
| 2019 | 559 | 340 |
| 2018 | 460 | 249 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Southern National Bank | 31 | 31 |
| Monticello Banking Company | 28 | 42 |
| Rocket Mortgage | 23 | 32 |
| The Citizens National Bank of Somerset | 21 | 27 |
| United Wholesale Mortgage | 20 | 24 |
| Truist Bank | 9 | 14 |
| Mortgage Research Center | 7 | 12 |
| 21ST Mortgage | 7 | 31 |
| Community Trust Bank, Inc. | 6 | 8 |
| loanDepot.com LLC | 6 | 6 |
| United Cumberland Bank | 6 | 7 |
| US Bank, N.A. | 6 | 9 |
| Republic State Mortgage Company | 5 | 6 |
| New American Funding, LLC. | 5 | 12 |
| L&N Federal Credit Union | 5 | 7 |
| University of KY Fcu | 4 | 5 |
| Stock Yards Bank & Trust Company | 3 | 3 |
| Vanderbilt Mortgage and Finance, Inc | 3 | 42 |
| Amerisave Mortgage Company | 3 | 11 |
| Pennymac Loan Services LLC | 3 | 6 |
| Huntington National Bank | 2 | 4 |
| Commonwealth Federal Credit Union | 2 | 4 |
| Nationstar Mortgage | 2 | 5 |
| Freedom Mortgage Corporation | 2 | 2 |
| Lakeview Loan Servicing, LLC | 2 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 416 | 27.4% of 336 decided |
| 2 or more minority races | under 10 | |
| Joint | under 10 | |
| Race Not Available | 58 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | under 10 | |
| Not Hispanic or Latino | 406 | 25.5% of 333 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 71 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 136 | 35.5% of 107 decided |
| Female | 98 | 35.9% of 78 decided |
| Joint | 213 | 20.9% of 177 decided |
| Sex Not Available | 41 | 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. 2169 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