Mortgage lending in Woodford County, Kentucky
Lenders in Woodford County, Kentucky reported 1,119 mortgage applications for 2025, according to the CFPB.
1,119 mortgage applications and 693 loans originated in 2025; the denial rate was 20.5% of 904 applications decided. The median loan was about $205,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Lexington-Fayette, KY MSA.
- 1,119
- Applications
- 693
- Loans originated
- 20.5%
- Denial rate
- 185 denied of 904 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 1,119 | 693 |
| 2024 | 912 | 579 |
| 2023 | 882 | 549 |
| 2022 | 1,187 | 764 |
| 2021 | 2,039 | 1,379 |
| 2020 | 1,849 | 1,306 |
| 2019 | 1,193 | 818 |
| 2018 | 1,011 | 705 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| City National Bank of WV | 68 | 103 |
| Commonwealth Federal Credit Union | 59 | 97 |
| Rocket Mortgage | 55 | 71 |
| University of KY Fcu | 39 | 60 |
| Community Trust Bank, Inc. | 36 | 46 |
| Guardian Savings Bank | 30 | 36 |
| Stockton Mortgage Corporation | 27 | 36 |
| Stock Yards Bank & Trust Company | 20 | 30 |
| Ark-LA-Tex Financial Services LLC | 20 | 30 |
| Wesbanco Bank, Inc. | 19 | 38 |
| Fifth Third Bank, National Association | 16 | 32 |
| PNC Bank N.A. | 15 | 30 |
| Central Bank & Trust Co | 14 | 16 |
| Traditional Bank Inc | 12 | 16 |
| United Wholesale Mortgage | 10 | 19 |
| Pennymac Loan Services LLC | 10 | 16 |
| Luminate Bank | 9 | 10 |
| Mortgage Research Center | 8 | 17 |
| Newrez LLC | 7 | 23 |
| US Bank, N.A. | 7 | 13 |
| JPMorgan Chase Bank, NA | 7 | 14 |
| Republic Bank & Trust | 7 | 13 |
| Whitaker Bank Inc | 6 | 6 |
| Freedom Mortgage Corporation | 6 | 15 |
| Republic State Mortgage Company | 5 | 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 | 27 | no rate: base under 50 |
| White | 914 | 19.4% of 746 decided |
| Joint | 17 | no rate: base under 50 |
| Race Not Available | 152 | 21.2% of 113 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 40 | no rate: base under 50 |
| Not Hispanic or Latino | 912 | 19.8% of 748 decided |
| Joint | 14 | no rate: base under 50 |
| Ethnicity Not Available | 153 | 19.3% of 114 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 300 | 22.5% of 227 decided |
| Female | 242 | 19.6% of 199 decided |
| Joint | 476 | 20.2% of 402 decided |
| Sex Not Available | 101 | 18.4% of 76 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. 999 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