Lender in Kentucky · HMDA 2025
Rate mortgages in Kentucky
Rate's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Rate originated 323 owner-occupied single-family loans in Kentucky from 349 completed applications.
Its median conventional purchase loan costs were $4,490 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
323
of 349 applications
Denial rate
6.4%
Purchase · KY 8.2%
Rate spread
+0.33 pts
Conv. · KY +0.21 pts
Loan amount
$265,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 296 | 276 | 6.4% | 6.750% | +0.33 pts | $4,490 | $265,000 |
| Refinance | 36 | 34 | 5.6% | — | +0.14 pts | $3,390 | $345,000 |
| Cash-out refinance | 17 | 13 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Christian County | 5 | 46 | 5.5% |
| Bracken County | 9 | 3 | 3.7% |
| Kenton County | 12 | 56 | 1.8% |
| Todd County | 12 | 3 | 2.5% |
| Campbell County | 13 | 31 | 1.9% |
| Boone County | 14 | 49 | 1.9% |
| Spencer County | 16 | 5 | 1.4% |
| Carroll County | 16 | 2 | 1.8% |
| Gallatin County | 17 | 2 | 2.4% |
| Greenup County | 18 | 4 | 1.0% |
| Boyd County | 19 | 5 | 0.9% |
| Pendleton County | 20 | 3 | 1.7% |
| Muhlenberg County | 25 | 2 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology