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Hopkins County, Kentucky
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Hopkins County, Kentucky, saw 1,475 HMDA-reported applications and 784 originations ($119m) in 2024.
That is 42.6 originations per 1,000 households, against 49.1 for Kentucky and 48.0 nationally.
The county's denial rate was 32.4%, above the state rate of 25.0%. The median rate spread on originated loans was 0.6 percentage points and 18.1% of originations were 1.5 points or more above the average prime offer rate.
18 lenders reached 25 applications in the county; the most active by originations were Independence Bank of Kentucky (102), First United Bank & Trust Company (57) and Fifth Third Bank, National Association (54).
Originations were down 6% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Independence Bank of Kentucky | 157 | 102 | $13m | 23.5% | — |
| 2 | First United Bank & Trust Company | 62 | 57 | $9.5m | 5.0% | — |
| 3 | Fifth Third Bank, National Association | 101 | 54 | $4.0m | 36.0% | — |
| 4 | Rocket Mortgage | 54 | 45 | $7.0m | 13.5% | — |
| 5 | First Financial Bank, NA | 49 | 33 | $2.6m | 23.9% | — |
| 6 | Mortgage Research Center | 52 | 31 | $7.0m | 24.4% | — |
| 7 | Us Bank, N.A. | 64 | 30 | $4.3m | 46.4% | — |
| 8 | First Community Mortgage | 35 | 28 | $5.3m | 14.3% | — |
| 9 | Sacramento Deposit Bank | 28 | 27 | $2.3m | 3.6% | — |
| 10 | Liberty Federal Credit Union | 38 | 26 | $4.1m | 21.2% | — |
| 11 | Old National Bank | 43 | 22 | $2.5m | 41.0% | — |
| 12 | Gershman Investment Corp. | 27 | 20 | $3.2m | — | — |
| 13 | United Wholesale Mortgage | 25 | 17 | $3.0m | — | — |
| 14 | Freedom Mortgage Corporation | 34 | 15 | $2.4m | — | — |
| 15 | Triad Financial Services, Inc. | 71 | 12 | $580k | 60.6% | — |
| 16 | Vanderbilt Mortgage and Finance, Inc | 44 | 11 | $8.2m | 60.6% | — |
| 17 | 21st Mortgage | 81 | 8 | $730k | 81.1% | — |
| 18 | Amerisave Mortgage Company | 33 | 5 | $535k | 82.1% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 18. Denial rate is denials over decided applications in this county.
Compared with Kentucky and the nation
| Measure | This county | Kentucky | United States |
|---|---|---|---|
| Denial rate | 32.4% | 25.0% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.1% | 16.0% | 15.6% |
| Average originated loan | $151k | $219k | $329k |
| Originations per 1,000 households | 42.6 | 49.1 | 48.0 |
| Home purchase share of originations | 53.6% | 55.3% | 57.0% |
| FHA-insured share | 15.6% | 14.6% | 13.4% |
| VA-guaranteed share | 11.9% | 8.0% | 7.9% |
Rate spread distribution
Share of 658 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Kentucky). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 54% (420)Home improvement 9% (70)Refinancing 19% (146)Cash-out refinancing 11% (88)Other purpose 8% (60)
By type
Conventional 70% (549)FHA 16% (122)VA 12% (93)USDA 3% (20)
Trend by year
ApplicationsOriginations
This countyKentucky
Questions and answers
Which lenders are most active in Hopkins County, KY?
By 2024 originations: Independence Bank of Kentucky (102), First United Bank & Trust Company (57), Fifth Third Bank, National Association (54), Rocket Mortgage (45), First Financial Bank, NA (33). 18 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Hopkins County?
32.4% of decided applications were denied in 2024, against 25.0% across Kentucky and 24.3% nationally.
How many mortgages were originated in Hopkins County in 2024?
784 loans totalling $119m, from 1,475 applications; 42.6 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 21107; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.