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KY · Statewide HMDA 2024

Kentucky mortgage lending

According to the CFPB HMDA 2024 Snapshot, 746 reporting lenders · 120 counties · 9 metros.

Top lenders ↓ All states

Volume rank is not origination-share rank

According to the CFPB HMDA 2024 Snapshot, Kentucky ranks #25 of 54 by application volume but #29 of 52 states with 10,000+ applications on origination share (52.8%). Wisconsin leads that origination-share board at 64.0% on 214,597 applications. Volume rank is not origination-share rank.

#29
Origination-share rank of 52
52.8%
Origination share
89,015
Originated
18.6%
Denial rate

According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among states and territories with 10,000+ applications (the same floor as the national denial board). See /methodology#corpus-placement. Informational reporting, not mortgage advice.

CFPB HMDA state filing plate

State KY · Kentucky 18.6% denial

VOL-MID · DEN-MID · PHOTO-FINISH · ORIG-FLOOR · BOOK-FULL · LEAD-MIX

  • VOL-MID #25/54
  • DEN-MID 18.6%
  • PHOTO-FINISH Georgia
  • ORIG-FLOOR 52.8%
  • BOOK-FULL 746 lenders
  • LEAD-MIX 5% top

Photo-finish peer: Georgia · 18.5% denial (+0.0pp vs Kentucky)

2024 HMDA Snapshot state sheet, volume rank, denial band, origination share, and reporter book. Informational reporting only.

Denial-rate neighbourhood · Kentucky

Poles and nearest peers by statewide HMDA denial rate, not a full state roster.

Denial band
Hawaii · highest22.4%Alabama · near18.9%Kentucky · this state18.6%Georgia · near18.5%Michigan · near18.4%Pennsylvania · near18.4%Guam · lowest7.6%

Nationwide states with similar HMDA denial rate or application volume

Two statewide peer sets for Kentucky: nearest jurisdictions by denial rate and by mortgage applications filed. These are cross-state neighborhoods, distinct from the denial-band chart above.

Similar denial rate

Nearest states by statewide denial rate (18.6% here).

Georgia 18.5% · GA Michigan 18.4% · MI Pennsylvania 18.4% · PA Alabama 18.9% · AL

Similar application volume

Nearest states by HMDA applications filed (168,722 here).

Utah 155,000 apps · UT Minnesota 187,642 apps · MN Oklahoma 147,433 apps · OK Oregon 143,369 apps · OR Louisiana 139,530 apps · LA Nevada 132,282 apps · NV Arkansas 123,327 apps · AR

Top lenders by originations · Kentucky

Funded loans among HMDA-reporting institutions active in this state.

State market
1. Rocket Mortgage5K2. United Wholesale Mortgage5K3. Stockton Mortgage Corpora…2K4. Fifth Third Bank, Nationa…2K5. Us Bank, N.A.2K6. Pnc Bank N.A.2K7. Community Trust Bank, Inc.2K8. Stock Yards Bank & Trust …2K

Where Kentucky sits by application volume

2024 CFPB HMDA states and territories, bucketed by mortgage applications filed

168,722 Top 46% higher than 54% of 54 states and territories

This state 0 1,200,000 states and territories, grouped by applications

Each bar is a 150,000-applications band. The dashed line and filled bar mark this state. Hover, tap, or focus a bar for its count and population share.

Source CFPB Home Mortgage Disclosure Act Snapshot National Loan-Level Dataset · 2024 reporting year

Top counties by originations · Kentucky

In-state county volume from the same HMDA county board linked below.

County mix
1. Jefferson County17K2. Fayette County6K3. Kenton County5K4. Boone County4K5. Warren County3K6. Hardin County3K7. Campbell County3K8. Bullitt County2K

How to read this state sheet. Kentucky filed 168,722 HMDA-reported applications in 2024 (#25 of 54 by volume) with a 18.6% denial rate - near the national 17.2% baseline. White applicants (121,128 apps) show 19.7% denial; Black or African American applicants (7,854 apps) show 24.6% denial - rates on groups below 100 applications are marked too small to read. This page is informational data reporting, not financial, legal, or mortgage advice.

Nearby Lenders in Kentucky

Top HMDA-reporting lenders active in Kentucky. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 4,679 5.3%
2 United Wholesale Mortgage 4,643 5.2%
3 Stockton Mortgage Corporation 2,490 2.8%
4 Fifth Third Bank, National Association 2,422 2.7%
5 Us Bank, N.A. 2,348 2.6%
Compare Rocket Mortgage vs United Wholesale Mortgage →

Reported outcomes by applicant race in Kentucky

CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.

Race Applications Approval Rate Denial Rate
White 121,128 58.3% 19.7%
Black or African American 7,854 50.7% 24.6%
Asian 3,000 59.6% 15.8%
Joint 2,332 55.1% 22.3%
American Indian or Alaska Native 641 32.5% 36.8%
2 or more minority races 238 40.3% 34.5%
Native Hawaiian or Other Pacific Islander 190 45.3% 30.0%

Every county in Kentucky, by lending volume

County totals sum the filings geocoded to that county, so they reconcile to the state row above rather than to any single lender's book.

County Applications Originated Denial Rate Avg Loan
Jefferson County 30,023 16,999 15.3% $238,700
Fayette County 10,615 6,285 13.8% $282,625
Kenton County 8,347 4,713 15.1% $206,990
Boone County 7,100 3,701 18.0% $220,969
Hardin County 5,192 2,836 15.8% $229,218
Warren County 4,981 2,943 12.8% $261,161
Campbell County 4,479 2,594 14.4% $218,945
Bullitt County 4,232 2,231 17.0% $207,819
Madison County 4,050 2,166 16.5% $217,511
Daviess County 3,690 2,251 14.1% $166,631
Scott County 3,187 1,743 15.6% $215,298
Oldham County 3,059 1,811 12.5% $308,423
Laurel County 2,462 968 28.7% $145,597
Christian County 2,346 1,280 14.3% $198,824
McCracken County 2,332 1,087 20.8% $171,467
Jessamine County 2,280 1,329 13.7% $300,846
Shelby County 2,227 1,250 16.4% $246,563
Franklin County 2,120 1,184 15.4% $173,401
Nelson County 2,096 1,193 14.3% $194,251
Pulaski County 2,063 973 22.1% $162,087
Barren County 1,639 901 16.7% $169,045
Hopkins County 1,617 784 24.6% $140,473
Boyd County 1,553 790 21.5% $133,152
Clark County 1,547 883 16.0% $189,984
Henderson County 1,475 852 17.4% $154,892
Meade County 1,455 790 15.9% $207,557
Whitley County 1,336 509 32.1% $138,473
Pike County 1,274 488 32.7% $129,694
Greenup County 1,244 645 22.4% $143,521
Grant County 1,197 580 22.8% $189,929
Montgomery County 1,189 597 18.6% $162,746
Graves County 1,121 531 22.3% $140,067
Marshall County 1,083 498 21.3% $163,107
Anderson County 1,082 588 18.7% $184,963
Boyle County 1,070 556 16.2% $182,131
Logan County 1,059 568 16.4% $179,958
Knox County 1,031 305 41.7% $125,165
Grayson County 1,030 524 21.0% $172,641
Mercer County 1,024 561 16.3% $183,301
Allen County 1,015 560 17.6% $170,813
Woodford County 1,008 583 14.8% $228,145
Simpson County 975 548 15.1% $204,918
Muhlenberg County 958 462 23.0% $128,424
Floyd County 948 332 35.0% $119,451
Spencer County 946 537 14.9% $228,953
Lincoln County 937 426 25.4% $147,391
Calloway County 888 414 20.2% $178,750
Garrard County 805 416 18.8% $178,453
Carter County 778 373 22.5% $136,645
Breckinridge County 766 387 20.0% $153,903
Harrison County 757 366 21.8% $171,671
Hart County 750 462 17.7% $153,093
Bourbon County 713 382 17.9% $209,965
Ohio County 708 348 20.8% $143,616
Henry County 694 399 16.0% $175,865
Johnson County 682 256 33.3% $134,223
Trigg County 658 317 21.6% $189,742
Taylor County 639 331 22.9% $160,853
Pendleton County 608 291 21.6% $165,658
Bell County 606 189 35.1% $120,528
Rowan County 602 267 27.6% $157,292
Edmonson County 600 334 16.8% $181,983
Rockcastle County 563 219 30.9% $126,634
Harlan County 531 164 40.7% $108,051
Perry County 527 171 37.6% $116,025
Russell County 516 246 23.6% $147,752
Powell County 516 201 26.4% $160,950
Larue County 509 323 13.0% $177,299
Marion County 504 281 23.4% $155,079
Mason County 504 262 25.0% $139,187
Owen County 503 250 23.7% $152,714
Clay County 494 107 46.4% $112,571
Fleming County 492 282 20.9% $150,366
Wayne County 487 228 23.2% $144,117
Lawrence County 475 182 32.2% $132,768
Gallatin County 400 187 24.0% $155,675
Bath County 396 169 23.7% $135,328
McCreary County 376 140 30.9% $128,324
Todd County 373 181 18.8% $855,724
Webster County 372 194 23.1% $130,376
Estill County 371 127 29.6% $139,259
Butler County 369 208 19.2% $152,588
Carroll County 365 167 22.5% $149,027
Jackson County 361 114 34.9% $128,573
Lewis County 354 143 34.2% $124,153
Casey County 351 133 28.8% $147,877
Letcher County 347 111 41.5% $108,429
Hancock County 332 195 16.6% $145,723
Green County 332 189 21.7% $133,554
Adair County 325 136 29.5% $143,123
Caldwell County 321 183 19.6% $152,134
Washington County 317 135 27.4% $161,246
Trimble County 315 169 18.7% $151,000
Metcalfe County 310 153 23.9% $132,548
Knott County 308 93 35.4% $126,948
Bracken County 301 168 20.9% $135,864
Monroe County 298 163 17.4% $130,403
Union County 293 140 25.6% $139,915
McLean County 291 157 19.6% $125,687
Lyon County 291 150 21.3% $213,385
Livingston County 281 120 27.4% $130,872
Nicholas County 275 125 26.6% $141,036
Breathitt County 271 54 47.6% $110,351
Magoffin County 264 78 42.4% $135,795
Ballard County 256 124 21.5% $137,109
Menifee County 248 115 21.8% $119,435
Morgan County 211 73 27.5% $135,142
Crittenden County 205 98 21.9% $160,707
Martin County 202 66 38.6% $109,406
Leslie County 202 46 41.1% $106,139
Wolfe County 196 67 31.6% $154,133
Lee County 175 51 32.6% $126,771
Clinton County 160 59 32.5% $134,250
Elliott County 143 61 26.6% $148,427
Carlisle County 136 77 12.5% $134,632
Cumberland County 131 48 29.8% $143,855
Fulton County 116 56 24.1% $93,707
Hickman County 101 55 19.8% $114,505
Owsley County 92 15 53.3% $135,000
Robertson County 88 41 27.3% $149,432

Metro Areas in Kentucky

Cincinnati
53,167 loans originated
16.0%
denial rate
Louisville/Jefferson County
32,641 loans originated
15.3%
denial rate
Lexington-Fayette
11,205 loans originated
14.5%
denial rate
Clarksville
9,481 loans originated
14.6%
denial rate
Huntington-Ashland
5,742 loans originated
23.5%
denial rate
Bowling Green
4,045 loans originated
14.2%
denial rate
Elizabethtown
3,159 loans originated
15.5%
denial rate
Owensboro
2,409 loans originated
14.5%
denial rate
Paducah
1,511 loans originated
21.4%
denial rate

Frequently Asked Questions

How many mortgage applications were filed in Kentucky?
In the 2024 HMDA reporting year, 168,722 mortgage applications were filed in Kentucky. Of these, 89,015 were originated (approved and funded), while 31,294 were denied, resulting in a denial rate of 18.6%.
Where does Kentucky sit among U.S. states for mortgage volume?
According to CFPB HMDA 2024 application volume across U.S. states and territories, Kentucky ranks #25 of 54. On origination share (originated divided by applications, 10,000-application floor) it ranks #29 of 52 at 52.8%. The /states hub sorts by application volume for this ranking basis. See /methodology#corpus-placement.
What is the mortgage denial rate in Kentucky?
The mortgage denial rate in Kentucky is 18.6%, meaning 18.6% of all applications were denied by lenders. The approval (origination) rate is 52.8%.
What is the average mortgage loan amount in Kentucky?
The average mortgage loan amount in Kentucky is $205,001. The average interest rate across all loan types is 7.204%.
How many mortgage lenders operate in Kentucky?
746 mortgage lenders reported HMDA data for Kentucky. These include banks, credit unions, and independent mortgage companies that filed lending activity for this state.
How do mortgage denial rates vary by demographics in Kentucky?
Kentucky reports demographic lending data under HMDA. White applicants (121,128 applications) have an approval rate of 58.3% and denial rate of 19.7%; Black or African American applicants (7,854 applications) have an approval rate of 50.7% and denial rate of 24.6%; Asian applicants (3,000 applications) have an approval rate of 59.6% and denial rate of 15.8%. These figures reflect derived race categories as reported by applicants, and cover only groups with at least 100 applications, since a rate computed on a handful of applications is not readable.
Which counties in Kentucky have the most mortgage activity?
The top counties by mortgage volume in Kentucky are Jefferson County (16,999 originations), Fayette County (6,285 originations), Kenton County (4,713 originations). There are 120 counties with HMDA mortgage data in the state.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.