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Mortgage lending in Kentucky

Lenders in Kentucky reported 173,418 mortgage applications for 2025, according to the CFPB.

173,418 mortgage applications and 100,653 loans originated in 2025. 32,628 of the 138,915 applications decided were denied, 23.5%. From 2025, the CFPB’s Snapshot release.

173,418
Applications
100,653
Loans originated
21.9 per 1,000 residents, over the Census Bureau's 2025 estimate.
23.5%
Denial rate
32,628 denied of 138,915 applications decided.

The largest lenders in Kentucky

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Lenders in Kentucky by loans originated, 2025
RankLenderOriginated
1Rocket Mortgage6,049
2United Wholesale Mortgage5,242
3Fifth Third Bank, National Association3,150
4US Bank, N.A.2,645
5Stockton Mortgage Corporation2,250
6PNC Bank N.A.2,095
7Community Trust Bank, Inc.2,051
8Stock Yards Bank & Trust Company2,044
9Commonwealth Federal Credit Union1,869
10Liberty Federal Credit Union1,792
11Mortgage Research Center1,786
12University of KY Fcu1,710
13L&N Federal Credit Union1,519
14Republic Bank & Trust1,477
15Guardian Savings Bank1,396
16Abound Federal Credit Union1,388
17South Central Bank Inc1,376
18Freedom Mortgage Corporation1,270
19First Financial Bank1,239
20Northpointe Bank1,184
21Ark-LA-Tex Financial Services LLC1,179
22New American Funding, LLC.1,165
23Vanderbilt Mortgage and Finance, Inc1,150
24Pennymac Loan Services LLC1,132
25German American Bank1,097

Counties in Kentucky

1 more column on a wider screen

Counties in Kentucky by loans originated, with the median loan, 2025
CountyOriginatedMedian loan
Jefferson County19,415$195,000
Fayette County7,013$215,000
Kenton County5,218$195,000
Boone County4,300$215,000
Warren County3,141$215,000
Hardin County3,137$215,000
Campbell County2,761$195,000
Bullitt County2,601$205,000
Madison County2,442$215,000
Daviess County2,345$155,000
Oldham County2,114$275,000
Scott County2,004$235,000
Jessamine County1,545$215,000
Shelby County1,407$215,000
Christian County1,363$185,000
McCracken County1,354$165,000
Franklin County1,353$175,000
Nelson County1,306$195,000
Pulaski County1,242$155,000
Barren County1,075$145,000
Laurel County1,050$155,000
Henderson County983$135,000
Clark County935$185,000
Hopkins County935$125,000
Boyd County910$125,000
Meade County883$195,000
Greenup County725$125,000
Marshall County707$165,000
Woodford County693$205,000
Anderson County686$195,000
Grant County671$195,000
Boyle County650$175,000
Montgomery County648$155,000
Spencer County647$225,000
Simpson County635$195,000
Graves County631$145,000
Mercer County625$165,000
Logan County615$175,000
Grayson County614$155,000
Calloway County581$175,000
Whitley County547$125,000
Pike County546$125,000
Allen County537$175,000
Muhlenberg County531$115,000
Garrard County497$175,000
Hart County494$125,000
Lincoln County465$145,000
Bourbon County438$175,000
Carter County432$125,000
Larue County404$165,000
Harrison County399$175,000
Ohio County398$145,000
Breckinridge County390$145,000
Henry County380$185,000
Edmonson County375$175,000
Pendleton County367$165,000
Trigg County348$185,000
Floyd County332$105,000
Owen County328$160,000
Rowan County328$155,000
Fleming County320$135,000
Taylor County320$165,000
Knox County313$135,000
Mason County296$135,000
Russell County292$155,000
Johnson County287$135,000
Powell County265$155,000
Wayne County263$135,000
Marion County261$165,000
Caldwell County246$125,000
Rockcastle County246$125,000
McCreary County244$105,000
Butler County234$145,000
Trimble County224$150,000
Carroll County217$145,000
Bell County208$135,000
Hancock County206$155,000
Lewis County204$125,000
Todd County196$200,000
Estill County195$165,000
Webster County192$105,000
Gallatin County187$175,000
Washington County187$165,000
Green County186$120,000
Bath County182$145,000
Bracken County182$125,000
Metcalfe County180$135,000
Perry County177$125,000
Lawrence County173$135,000
Monroe County173$115,000
Harlan County166$110,000
Livingston County158$135,000
McLean County156$130,000
Lyon County153$175,000
Union County150$120,000
Adair County147$145,000
Ballard County146$135,000
Casey County146$150,000
Crittenden County145$115,000
Menifee County135$115,000
Letcher County134$95,000
Clay County130$130,000
Nicholas County122$120,000
Jackson County117$145,000
Wolfe County94$195,000
Carlisle County90$120,000
Morgan County86$150,000
Clinton County80$155,000
Knott County77$125,000
Fulton County67$105,000
Breathitt County63$105,000
Martin County61$85,000
Magoffin County60$130,000
Cumberland County57$175,000
Lee County57$145,000
Leslie County49under 50 loans
Hickman County48under 50 loans
Robertson County46under 50 loans
Elliott County39under 50 loans
Owsley County27under 50 loans

Kentucky elsewhere on the Factbook

  • Reported crime Crime and justice

    Offenses reported to police by type, the trend, and the reporting coverage.

  • Most dangerous cities in Kentucky Crime and justice

    What each agency serving 25,000 or more reported, ranked. Agency populations overlap, so these do not add up to the state.

  • Prison population Crime and justice

    People held under the state’s correctional authority, and the imprisonment rate. A different publisher counting a different thing.

  • Arrests by race, sex and age Crime and justice

    Arrests as the FBI’s participating agencies reported them, with what the figures can and cannot support at the top.

  • Hate crime Crime and justice

    Incidents reported to the FBI by bias motivation, as counts — the collection publishes no participation share, so there is no rate to compare states on.

  • Federal obligations Federal spending

    What federal agencies obligated against a place of performance in the state, per resident and by agency.

  • Registered nonprofits Nonprofits

    How many organizations the IRS lists in the state, what they report as revenue, and which kinds of work they do.

  • Payments to doctors Health

    What drug and device companies reported paying doctors with a practice address in the state, and the largest recipients.

  • Farm program payments Farm subsidies

    What the Farm Service Agency paid through the state’s county offices, by program and by recipient. The offices that administered the payments, not a count of farms: a recipient addressed elsewhere is counted where they were paid.

  • Paycheck Protection Program loans PPP loans

    The PPP loans SBA guaranteed to businesses operating in the state, by county, with how many carry a forgiveness amount and how many were charged off. Loans, not businesses: a business with two draws is two loans.

  • Public schools Schools

    Pupils, schools and teachers, the largest districts, what districts spend per pupil and where the money comes from, and the colleges that take federal student aid.

  • Banks and credit unions Banks and credit unions

    The FDIC-insured banks headquartered in the state and their offices, and the credit unions based there and their sites, each per resident and against every other state.

  • Housing Housing

    The homes under HUD’s rental assistance programs in the state, by program and county, and its tax-credit housing, each per resident and against every other state.

  • College athletics Sports

    Every college in the state that reported to the Equity in Athletics survey, ranked by its athletics revenue, with its expenses, athletes and athletic aid.

  • Federal civilian workforce Federal salaries

    Federal civilian employees stationed in the state by agency and occupation, with the pay OPM publishes and the share it withholds.

  • The Kentucky Factbook entry Across the Factbook

    Every measure the Factbook publishes for this state in one place, each with where it ranks among the others and the record it came from.

The immigration hub has no page for this state: EOIR runs no immigration court here, and CBP publishes by sector and field office, which are its own areas of responsibility rather than a geography. Immigration and the border.

More about Kentucky →

Sources

Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built

Data retrieved