Lender in Kentucky · HMDA 2025
German American Bank mortgages in Kentucky
German American Bank's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
German American Bank originated 230 owner-occupied single-family loans in Kentucky from 277 completed applications.
Its median conventional purchase loan costs were $3,570 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
230
of 277 applications
Denial rate
10.3%
Purchase · KY 8.2%
Rate spread
+0.21 pts
Conv. · KY +0.21 pts
Loan amount
$235,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 223 | 198 | 10.3% | 6.625% | +0.21 pts | $3,570 | $235,000 |
| Refinance | 27 | 17 | 37.0% | — | — | — | — |
| Cash-out refinance | 27 | 15 | 40.7% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where German American Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gallatin County | 4 | 5 | 6.0% |
| Hancock County | 5 | 3 | 3.0% |
| Owen County | 8 | 5 | 3.6% |
| Hart County | 10 | 6 | 2.6% |
| Simpson County | 11 | 7 | 1.8% |
| Henry County | 11 | 4 | 1.9% |
| Grant County | 13 | 8 | 2.4% |
| Spencer County | 13 | 5 | 1.4% |
| Boone County | 17 | 39 | 1.5% |
| Grayson County | 17 | 3 | 1.0% |
| Metcalfe County | 17 | 1 | 1.0% |
| Barren County | 18 | 7 | 1.2% |
| Bracken County | 18 | 1 | 1.2% |
| Butler County | 18 | 1 | 0.7% |
| Daviess County | 19 | 11 | 0.9% |
| Edmonson County | 20 | 2 | 1.1% |
| Campbell County | 21 | 17 | 1.0% |
| Kenton County | 22 | 36 | 1.2% |
| Henderson County | 22 | 4 | 0.8% |
| Larue County | 23 | 2 | 0.9% |
| Warren County | 24 | 18 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology