Lender in Kentucky · HMDA 2025
Navy Federal Credit Union mortgages in Kentucky
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Navy Federal Credit Union originated 360 owner-occupied single-family loans in Kentucky from 433 completed applications.
Its median conventional purchase loan costs were $2,700 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
360
of 433 applications
Denial rate
9.9%
Purchase · KY 8.2%
Rate spread
−0.03 pts
Conv. · KY +0.21 pts
Loan amount
$285,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 324 | 288 | 9.9% | 6.625% | −0.03 pts | $2,700 | $285,000 |
| Refinance | 33 | 23 | 27.3% | — | — | — | $315,000 |
| Cash-out refinance | 76 | 49 | 35.5% | — | — | — | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Navy Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 43.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Rowan County | 6 | 6 | 3.9% |
| Hardin County | 9 | 48 | 2.5% |
| Jackson County | 9 | 2 | 2.9% |
| Meade County | 10 | 10 | 2.2% |
| Trigg County | 10 | 4 | 2.0% |
| Clinton County | 11 | 1 | 2.6% |
| Fulton County | 11 | 1 | 2.6% |
| Christian County | 12 | 18 | 2.1% |
| Ballard County | 12 | 2 | 2.5% |
| Letcher County | 13 | 1 | 1.6% |
| Clay County | 14 | 1 | 1.6% |
| Allen County | 15 | 6 | 1.9% |
| Casey County | 16 | 1 | 1.4% |
| Logan County | 17 | 5 | 1.3% |
| Larue County | 17 | 3 | 1.3% |
| Harlan County | 17 | 1 | 0.9% |
| Lawrence County | 17 | 1 | 1.1% |
| Mercer County | 18 | 5 | 1.5% |
| Graves County | 18 | 4 | 1.0% |
| Adair County | 18 | 1 | 1.3% |
| Pulaski County | 19 | 7 | 1.1% |
| Simpson County | 19 | 4 | 1.0% |
| Bell County | 19 | 1 | 1.0% |
| Bracken County | 19 | 1 | 1.2% |
| Butler County | 19 | 1 | 0.7% |
| Lyon County | 19 | 1 | 1.4% |
| Anderson County | 20 | 4 | 1.1% |
| Daviess County | 21 | 10 | 0.8% |
| Henderson County | 21 | 5 | 0.9% |
| Edmonson County | 21 | 2 | 1.1% |
- Navy Federal Credit Union nationwide
- Kentucky mortgage market
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- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology