Bank of Edmonson County at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
95th0.7% deniedProcesswithdrawn + incomplete share, weight 15%
86th2.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 168 | 137 | 4.2% | 4.3% | — | $26M |
| 2024 | 140 | 118 | 1.4% | 1.5% | — | $27M |
| 2025 | 142 | 123 | 0.7% | 0.7% | — | $33M |
What Bank of Edmonson County lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 22 manufactured homes, 40 investment properties.
Who gets approved at Bank of Edmonson County
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 21 | 14 | 0.0% |
| $50k – $100k | 40 | 36 | 2.5% |
| $100k – $150k | 29 | 24 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 30 | 27 | 0.0% |
| 45–54 | 36 | 31 | 0.0% |
Where Bank of Edmonson County lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 142 | 123 | 0.7% | — | #171 |
Frequently asked questions
Bank of Edmonson County denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
In 2025, 51% of its applications were for home purchases, 35% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.