Lender in Kentucky · HMDA 2025
Veterans United Home Loans mortgages in Kentucky
Veterans United Home Loans's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Veterans United Home Loans originated 1,652 owner-occupied single-family loans in Kentucky from 2,268 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $2,110 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
1,652
of 2,268 applications
Denial rate
8.8%
Purchase · KY 8.2%
Rate spread
+0.27 pts
Conv. · KY +0.21 pts
Loan amount
$255,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,393 | 1,259 | 8.8% | 6.750% | +0.27 pts | $2,110 | $255,000 |
| Refinance | 428 | 287 | 31.5% | — | — | — | $265,000 |
| Cash-out refinance | 447 | 106 | 75.8% | — | — | — | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Veterans United Home Loans ranks in the top 25
Showing the 30 counties where it ranks highest, of 114.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Christian County | 1 | 141 | 16.9% |
| Trigg County | 1 | 25 | 12.4% |
| Livingston County | 1 | 7 | 10.4% |
| Hardin County | 2 | 151 | 7.8% |
| McCreary County | 2 | 12 | 7.7% |
| Todd County | 2 | 11 | 9.2% |
| Martin County | 2 | 5 | 18.5% |
| Morgan County | 2 | 5 | 11.9% |
| Cumberland County | 2 | 3 | 10.3% |
| Magoffin County | 2 | 2 | 7.4% |
| Meade County | 3 | 38 | 8.3% |
| Casey County | 3 | 4 | 5.5% |
| Jackson County | 3 | 4 | 5.9% |
| Lee County | 3 | 2 | 7.1% |
| Marshall County | 4 | 23 | 5.6% |
| Anderson County | 4 | 17 | 4.6% |
| Pendleton County | 4 | 9 | 5.1% |
| Harrison County | 4 | 8 | 4.4% |
| Clay County | 4 | 4 | 6.3% |
| Breathitt County | 4 | 2 | 9.5% |
| Madison County | 5 | 54 | 3.7% |
| Hopkins County | 5 | 28 | 5.3% |
| Barren County | 5 | 25 | 4.4% |
| Logan County | 5 | 21 | 5.3% |
| Franklin County | 5 | 20 | 2.8% |
| Larue County | 5 | 11 | 4.9% |
| Ohio County | 5 | 9 | 4.5% |
| Breckinridge County | 5 | 8 | 4.7% |
| Mason County | 5 | 8 | 4.5% |
| Owen County | 5 | 7 | 5.0% |
- Veterans United Home Loans nationwide
- Kentucky mortgage market
- Veterans United Home Loans in Texas
- Veterans United Home Loans in Florida
- Veterans United Home Loans in Virginia
- Veterans United Home Loans in North Carolina
- Veterans United Home Loans in Georgia
- Veterans United Home Loans in Ohio
- Veterans United Home Loans in Tennessee
- Veterans United Home Loans in Illinois
- Veterans United Home Loans in Missouri
- Veterans United Home Loans in Pennsylvania
- Veterans United Home Loans in California
- Veterans United Home Loans in Alabama
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology