Kentucky Mortgage Lending
746 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 168,681 HMDA-reported mortgage applications in Kentucky in 2024, originating 89,008 loans and denying 31,290. That puts the statewide denial rate at 18.6% and the approval (origination) rate at 52.8%. The average loan amount across Kentucky was $204,990 at an average note rate of 7.20%. 746 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 120 counties and 10 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 58.3% and denial rate of 19.7%; while Black or African American applicants had an approval rate of 50.7% and denial rate of 24.6%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include Jefferson County, Fayette County, Kenton County.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
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% |
Lending by Race in Kentucky
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 121,097 | 58.3% | 19.7% |
| Black or African American | 7,853 | 50.7% | 24.6% |
| Asian | 2,998 | 59.7% | 15.8% |
| Joint | 2,329 | 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% |
Counties in Kentucky
| 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
Frequently Asked Questions
How many mortgage applications were filed in Kentucky?
What is the mortgage denial rate in Kentucky?
What is the average mortgage loan amount in Kentucky?
How many mortgage lenders operate in Kentucky?
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Mortgage Lending Guides
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.
