Hearthside Bank Corporation
Middlesboro, KY
Hearthside Bank Corporation processed 221 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 155 loans with a 14.5% denial rate. Home Purchase was the primary loan purpose. Based in Middlesboro, KY. The approval rate of 70.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.
Portfolio scale. Hearthside Bank Corporation processed 221 HMDA-reported mortgage applications in 2024, originating 155 loans and denying 32 for a denial rate of 14.5% (applicants themselves withdrew 25 files before a decision). The average loan amount was $324,050. The lender reports under LEI 2549001XVX1R2ITF6935 from Middlesboro, KY.
Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Hearthside Bank Corporation's 70.1% origination rate tells you how often an application turned into funded money; the 14.5% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (219 applications).
How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.
Lending Activity
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 219 | 155 | 31 | $323,630 |
| USDA | 1 | 0 | 1 | $125,000 |
| VA | 1 | 0 | 0 | $615,000 |
Top loan types — Hearthside Bank Corporation
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Hearthside Bank Corporation (LEI: 2549001XVX1R2ITF6935) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Loan Purpose Breakdown
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 166 | 116 | $354,036 |
| Refinancing | 29 | 22 | $352,586 |
| Home Improvement | 16 | 11 | $113,750 |
| Other | 10 | 6 | $80,000 |
Geographic Coverage — Lending by Race
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 177 | 69.5% | 14.7% |
| Joint | 4 | 50.0% | 25.0% |
| Asian | 3 | 66.7% | 0.0% |
| Black or African American | 2 | 100.0% | 0.0% |
Lending by Ethnicity
Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 179 | 68.7% | 15.1% |
| Hispanic or Latino | 6 | 66.7% | 16.7% |
| Joint | 2 | 100.0% | 0.0% |
Nearby Lenders in KY
Other HMDA-reporting lenders in KY with similar activity. Compare any two side-by-side.
STOCKTON MORTGAGE CORPORATION
FRANKFORT, KY
Liberty Federal Credit Union
Louisville, KY
FARM CREDIT MID-AMERICA, ACA
LOUISVILLE, KY
MAGNOLIA BANK
Elizabethtown, KY
REPUBLIC BANK & TRUST
LOUISVILLE, KY
Mortgage Lending Guides
Frequently Asked Questions
How many mortgage applications did Hearthside Bank Corporation process?
What is Hearthside Bank Corporation's mortgage approval rate?
What is the average loan amount at Hearthside Bank Corporation?
What types of mortgage loans does Hearthside Bank Corporation offer?
What loan purposes does Hearthside Bank Corporation serve?
Where is Hearthside Bank Corporation located?
How does Hearthside Bank Corporation compare in lending across racial demographics?
Data Sources
Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.
Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.