Mortgage lending in Whitley County, Kentucky
Lenders in Whitley County, Kentucky reported 1,326 mortgage applications for 2025, according to the CFPB.
1,326 mortgage applications and 547 loans originated in 2025; the denial rate was 41.3% of 1,019 applications decided. The median loan was about $125,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Whitley County, KY.
- 1,326
- Applications
- 547
- Loans originated
- 41.3%
- Denial rate
- 421 denied of 1,019 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,326 | 547 |
| 2024 | 1,273 | 509 |
| 2023 | 1,213 | 473 |
| 2022 | 1,283 | 592 |
| 2021 | 1,521 | 777 |
| 2020 | 1,556 | 835 |
| 2019 | 1,178 | 586 |
| 2018 | 1,061 | 539 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Community Trust Bank, Inc. | 122 | 148 |
| L&N Federal Credit Union | 74 | 100 |
| Vanderbilt Mortgage and Finance, Inc | 40 | 382 |
| Rocket Mortgage | 32 | 55 |
| Ark-LA-Tex Financial Services LLC | 18 | 27 |
| Pike Creek Mortgage Services, Inc. | 16 | 23 |
| Magnolia Bank | 12 | 13 |
| 21ST Mortgage | 12 | 79 |
| Mortgage Research Center | 10 | 23 |
| Equity Prime Mortgage LLC | 9 | 16 |
| Forcht Bank, N.A. | 9 | 14 |
| Pennymac Loan Services LLC | 9 | 15 |
| Polaris Home Funding Corp. | 8 | 14 |
| United Wholesale Mortgage | 8 | 8 |
| Everett Financial, Inc. | 8 | 9 |
| Ubank | 7 | 8 |
| New American Funding, LLC. | 7 | 13 |
| Y-12 Federal Credit Union | 6 | 9 |
| Cumberland Valley National Bank & Trust Co | 6 | 8 |
| PNC Bank N.A. | 6 | 16 |
| Whitaker Bank Inc | 5 | 7 |
| Goprime Mortgage, Inc. | 5 | 7 |
| American Financial Resources LLC | 4 | 5 |
| Top Flite Financial, Inc. | 4 | 7 |
| Builtwell Bank | 4 | 4 |
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 | 13 | no rate: base under 50 |
| White | 1,197 | 41.6% of 921 decided |
| 2 or more minority races | under 10 | |
| Joint | 16 | no rate: base under 50 |
| Race Not Available | 88 | 29.6% of 71 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 24 | no rate: base under 50 |
| Not Hispanic or Latino | 1,130 | 40.4% of 883 decided |
| Joint | 17 | no rate: base under 50 |
| Ethnicity Not Available | 155 | 49.5% of 109 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 412 | 39.9% of 308 decided |
| Female | 329 | 52.0% of 250 decided |
| Joint | 517 | 36.9% of 407 decided |
| Sex Not Available | 68 | 33.3% of 54 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. 2375 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