Lender in Kentucky · HMDA 2025
Liberty mortgages in Kentucky
Liberty's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Liberty originated 1,108 owner-occupied single-family loans in Kentucky from 1,194 completed applications, making it the state's #7 lender by volume.
Its median conventional purchase loan costs were $3,530 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
1,108
of 1,194 applications
Denial rate
4.2%
Purchase · KY 8.2%
Rate spread
+0.15 pts
Conv. · KY +0.21 pts
Loan amount
$225,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,002 | 949 | 4.2% | 6.625% | +0.15 pts | $3,530 | $225,000 |
| Refinance | 76 | 66 | 13.2% | 6.500% | +0.10 pts | $3,410 | $285,000 |
| Cash-out refinance | 116 | 93 | 19.0% | 6.625% | +0.64 pts | $2,510 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Liberty ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Daviess County | 1 | 395 | 30.5% |
| Henderson County | 1 | 122 | 22.8% |
| Logan County | 1 | 34 | 8.5% |
| Ohio County | 1 | 31 | 15.6% |
| Hancock County | 1 | 24 | 24.0% |
| McLean County | 1 | 17 | 22.7% |
| Warren County | 2 | 122 | 6.9% |
| Simpson County | 2 | 30 | 7.6% |
| Webster County | 3 | 8 | 9.9% |
| Union County | 3 | 6 | 7.1% |
| Oldham County | 4 | 38 | 3.2% |
| Butler County | 4 | 7 | 5.2% |
| Muhlenberg County | 7 | 13 | 4.5% |
| Edmonson County | 7 | 6 | 3.2% |
| Hopkins County | 8 | 16 | 3.0% |
| Metcalfe County | 8 | 2 | 2.0% |
| Todd County | 10 | 3 | 2.5% |
| Barren County | 11 | 11 | 1.9% |
| Breckinridge County | 11 | 3 | 1.8% |
| Allen County | 13 | 7 | 2.3% |
| Trimble County | 13 | 2 | 2.3% |
| Hart County | 15 | 4 | 1.8% |
| Crittenden County | 18 | 1 | 1.1% |
| Green County | 18 | 1 | 1.1% |
| Harlan County | 18 | 1 | 0.9% |
| Grayson County | 19 | 3 | 1.0% |
| Shelby County | 22 | 10 | 1.3% |
| Ballard County | 23 | 1 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology