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Muhlenberg 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.
Lenders reported 880 mortgage applications in Muhlenberg County, Kentucky, for 2024, and originated 462 loans worth $60m.
That is 38.1 originations per 1,000 households, against 49.1 for Kentucky and 48.0 nationally.
The county's denial rate was 30.7%, above the state rate of 25.0%. The median rate spread on originated loans was 0.5 percentage points and 14.5% of originations were 1.5 points or more above the average prime offer rate.
11 lenders reached 25 applications in the county; the most active by originations were First Southern National Bank (65), Farmers Bank and Trust Company (55) and Old National Bank (48).
Originations were up 9% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | First Southern National Bank | 83 | 65 | $4.9m | 11.0% | — |
| 2 | Farmers Bank and Trust Company | 68 | 55 | $6.7m | 12.5% | — |
| 3 | Old National Bank | 70 | 48 | $4.6m | 20.6% | — |
| 4 | Everett Financial, Inc. | 27 | 27 | $2.8m | 0.0% | — |
| 5 | Stockton Mortgage Corporation | 36 | 25 | $4.0m | 10.7% | — |
| 6 | Liberty Federal Credit Union | 33 | 24 | $2.5m | 11.1% | — |
| 7 | First Kentucky Bank | 27 | 21 | $1.8m | 15.4% | — |
| 8 | Mortgage Research Center | 29 | 18 | $3.9m | — | — |
| 9 | Rocket Mortgage | 25 | 18 | $2.5m | 24.0% | — |
| 10 | 21st Mortgage | 85 | 8 | $990k | 83.3% | — |
| 11 | Firstbank | 31 | 2 | $260k | 77.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 11. Denial rate is denials over decided applications in this county.
Compared with Kentucky and the nation
| Measure | This county | Kentucky | United States |
|---|---|---|---|
| Denial rate | 30.7% | 25.0% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.5% | 16.0% | 15.6% |
| Average originated loan | $129k | $219k | $329k |
| Originations per 1,000 households | 38.1 | 49.1 | 48.0 |
| Home purchase share of originations | 53.9% | 55.3% | 57.0% |
| FHA-insured share | 17.7% | 14.6% | 13.4% |
| VA-guaranteed share | 7.8% | 8.0% | 7.9% |
Rate spread distribution
Share of 351 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% (249)Home improvement 9% (42)Refinancing 18% (83)Cash-out refinancing 8% (39)Other purpose 11% (49)
By type
Conventional 70% (325)FHA 18% (82)VA 8% (36)USDA 4% (19)
Trend by year
ApplicationsOriginations
This countyKentucky
Questions and answers
Which lenders are most active in Muhlenberg County, KY?
By 2024 originations: First Southern National Bank (65), Farmers Bank and Trust Company (55), Old National Bank (48), Everett Financial, Inc. (27), Stockton Mortgage Corporation (25). 11 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Muhlenberg County?
30.7% of decided applications were denied in 2024, against 25.0% across Kentucky and 24.3% nationally.
How many mortgages were originated in Muhlenberg County in 2024?
462 loans totalling $60m, from 880 applications; 38.1 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 21177; 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.