Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hardin County, Kentucky
Every institution that decided a 1–4 unit mortgage application in Hardin County, home to Elizabethtown, between 2023 and 2025: 10,171 applications, 7,736 loans actually funded, across 8 kinds of borrowing.
Hardin County at a glance
10,171Applications decided
2023–2025
7,736Loans funded
76% of decisions
28Census tracts
9 ZIP codes
111,452People
ACS 2023
What the data shows
Lenders approved 81.0% of home-purchase applications in Hardin County, 7.2 points below the Kentucky rate.
The typical purchase mortgage here is $255K.
Cash-out refinance is the hardest money to get here: lenders approved 71% of 1,917 applications.
Lending by loan type in Hardin County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 81.0% | 4,857 | $255K | 95% | 205 |
| Home improvement loans | 75.7% | 1,017 | $65K | 96% | 53 |
| Cash-out refinance | 70.5% | 1,917 | $165K | 96% | 110 |
| Refinance | 83.7% | 1,318 | $245K | 92% | 105 |
| Investment property purchase | 95.2% | 751 | $175K | 94% | 87 |
| Investment cash-out refinance | 76.0% | 75 | $115K | 91% | 36 |
| Investment refinance | 96.2% | 160 | $125K | 96% | 32 |
| Investment home improvement | 80.3% | 76 | $65K | 97% | 17 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.