Kentucky Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 189,881 mortgage applications in Kentucky totaling $40.2 billion, up 13% from 2024. The average application was for $211,000, and applicants reported an average income of $111,000. 53% of applications resulted in an originated loan and 17% were denied. The most active lenders were Vanderbilt Mortgage and Finance, Inc (8,243 applications), PennyMac Loan Services LLC and United Wholesale Mortgage.

See the top mortgage lenders in Kentucky, browse lending by metro area and by county, or see the mortgage lenders headquartered in Kentucky and Kentucky lenders by city.

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Download the Kentucky mortgage lender list: a formatted spreadsheet with aggregated HMDA statistics for all Kentucky based lenders.
Whether you're an industry analyst, homebuyer, or researcher, this data provides valuable insights into Kentucky's mortgage market trends.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 189,881
Total Mortgage Loan Application Amount $40,239,055,000
Average Mortgage Loan Application Amount $211,000
Highest Mortgage Loan Application Amount $78,005,000
Average Applicant Income $111,000
Highest Applicant Income $9,935,000

Top 25 Mortgage Lenders in Kentucky (2025)

Ranked by the number of mortgage applications each lender received for properties in Kentucky in 2025, wherever the lender is based. For lenders headquartered in the state, see the full list of Kentucky mortgage companies. For the lenders that made the most loans here in 2025, with the top FHA, VA, purchase and refinance lenders, see top mortgage lenders in Kentucky.

# Mortgage Lender Mortgage Applications Total Dollar Amount Average Loan Amount Average Applicant Income
1 Vanderbilt Mortgage and Finance, Inc
Maryville, TN
8,243 $1,038,145,000 $125,942 $67,614
2 PennyMac Loan Services LLC
Westlake Village, CA
7,119 $1,822,335,000 $255,981 $100,506
3 United Wholesale Mortgage
Plymouth, MI
6,891 $1,808,885,000 $262,499 $101,778
4 Fifth Third Bank, National Association
Cincinnati, OH
5,872 $841,630,000 $143,329 $115,512
5 US Bank, N.A.
Cincinnati, OH
4,971 $722,835,000 $145,410 $103,574
6 PNC Bank N.A.
Pittsburgh, PA
3,834 $676,770,000 $176,517 $110,319
7 Mortgage Research Center
Columbia, MO
3,618 $963,390,000 $266,276 $98,676
8 21st Mortgage
Knoxville, TN
3,484 $398,230,000 $114,302 $69,792
9 JPMorgan Chase Bank, NA
Columbus, OH
3,334 $544,640,000 $163,359 $124,293
10 Freedom Mortgage Corporation
Boca Raton, FL
3,279 $885,545,000 $270,065 $96,375
11 Commonwealth Federal Credit Union
Frankfort, KY
3,270 $485,910,000 $148,596 $119,588
12 Stockton Mortgage Corporation
Frankfort, KY
3,255 $771,305,000 $236,960 $97,949
13 Stock Yards Bank & Trust Company
Louisville, KY
3,056 $689,520,000 $225,628 $143,092
14 University of Ky FCU
Lexington, KY
2,979 $425,715,000 $142,905 $142,759
15 Newrez LLC
Fort Washington, PA
2,922 $719,220,000 $246,139 $108,434
16 Community Trust Bank, Inc.
Pikeville, KY
2,621 $492,295,000 $187,827 $119,441
17 New American Funding, Llc.
Tustin, CA
2,519 $456,435,000 $181,196 $82,575
18 Truist Bank
Raleigh, NC
2,413 $405,455,000 $168,029 $114,836
19 Liberty Federal Credit Union
Louisville, KY
2,247 $507,595,000 $225,898 $129,639
20 Republic Bank & Trust
Louisville, KY
2,220 $464,940,000 $209,432 $148,924
21 Abound Federal Credit Union
Radcliff, KY
2,154 $385,270,000 $178,862 $117,394
22 Amerihome Mortgage Company, LLC
Thousand Oaks, CA
1,968 $529,600,000 $269,105 $107,533
23 L&N Federal Credit Union
Louisville, KY
1,956 $307,270,000 $157,091 $117,619
24 Northpointe Bank
Grand Rapids, MI
1,929 $500,015,000 $259,209 $153,436
25 Planet Home Lending, LLC
Meriden, CT
1,912 $445,050,000 $232,766 $94,599

The tables below break down 2025 mortgage applications in Kentucky by loan purpose, applicant race, loan type, outcome and denial reason, followed by totals for every metro area and county. Click a column heading to sort.

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Mortgage Loan Application Detail Totals for Kentucky in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 96,369 $23,725,210,000 $246,000 $48,005,000 $109,000 $9,001,000
Cash-out Refinancing 29,126 $5,565,310,000 $191,000 $39,875,000 $98,000 $2,986,000
Refinancing 28,415 $7,503,110,000 $264,000 $78,005,000 $129,000 $9,251,000
Other Purpose 19,225 $1,745,345,000 $90,000 $4,005,000 $113,000 $4,620,000
Home Improvement 16,201 $1,565,145,000 $96,000 $65,005,000 $119,000 $9,935,000
Not Applicable 545 $134,935,000 $247,000 $22,845,000 $74,000 $278,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 130,701 $24,695,115,000 $188,000 $65,005,000 $112,000 $9,935,000
Not applicable 21,341 $7,850,025,000 $367,000 $78,005,000 $119,000 $2,391,000
Not Provided 15,516 $3,306,570,000 $213,000 $5,105,000 $113,000 $5,689,000
Black or African American 8,929 $1,619,975,000 $181,000 $2,355,000 $92,000 $2,793,000
Hispanic 8,893 $1,632,105,000 $183,000 $1,955,000 $89,000 $8,120,000
Asian 3,448 $952,070,000 $276,000 $5,455,000 $160,000 $8,710,000
American Indian or Alaskan Native 874 $146,690,000 $167,000 $1,565,000 $88,000 $1,103,000
Native Hawaiian or Other Pacific Islander 172 $34,810,000 $202,000 $755,000 $106,000 $736,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 138,819 $27,340,635,000 $196,000 $78,005,000 $118,000 $9,935,000
FHA-insured (Federal Housing Administration) 30,954 $7,244,290,000 $234,000 $56,635,000 $82,000 $7,005,000
VA-guaranteed (Veterans Administration) 17,063 $5,085,895,000 $298,000 $1,805,000 $104,000 $6,977,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 3,045 $568,235,000 $186,000 $445,000 $73,000 $258,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 100,358 $23,159,305,000 $230,000 $78,005,000 $122,000 $9,001,000
Application Denied By Financial Institution 32,263 $4,630,690,000 $143,000 $18,635,000 $85,000 $9,935,000
Application Withdrawn By Applicant 22,835 $5,223,015,000 $228,000 $36,555,000 $114,000 $8,120,000
Loan Purchased By The Institution 17,172 $4,261,130,000 $248,000 $4,555,000 $120,000 $2,391,000
File Closed For Incompleteness 11,445 $1,961,775,000 $171,000 $65,005,000 $93,000 $3,505,000
Application Approved But Not Accepted 5,628 $959,960,000 $170,000 $45,305,000 $105,000 $1,905,000
Preapproval Approved but not Accepted 132 $33,970,000 $257,000 $2,185,000 $116,000 $1,664,000
Preapproval Denied by Financial Institution 48 $9,210,000 $191,000 $655,000 $70,000 $241,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 149,887 $33,812,870,000 $225,000 $78,005,000 $116,000 $9,001,000
Debt-To-Income Ratio 16,442 $3,130,290,000 $190,000 $24,105,000 $95,000 $9,251,000
Credit History 11,663 $1,352,845,000 $115,000 $4,995,000 $85,000 $9,935,000
Collateral 3,794 $591,580,000 $155,000 $10,005,000 $106,000 $4,500,000
Credit Application Incomplete 3,311 $516,785,000 $156,000 $2,405,000 $107,000 $7,825,000
Unverifiable Information 1,908 $260,800,000 $136,000 $715,000 $77,000 $949,000
Other 1,847 $371,710,000 $201,000 $18,635,000 $109,000 $2,279,000
Insufficient Cash (Downpayment, Closing Cost) 684 $143,900,000 $210,000 $3,425,000 $94,000 $1,531,000
Employment History 338 $55,630,000 $164,000 $805,000 $66,000 $400,000
Mortgage Insurance Denied 7 $2,645,000 $377,000 $1,325,000 $134,000 $252,000
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Mortgage Loan Application Totals in 2025 by Kentucky Metropolitan Area

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Bowling Green, KY 7,468 $ 1,927,420,000 $ 258,000 $ 115,000
Elizabethtown-Fort Knox, KY 6,445 $ 1,479,335,000 $ 229,000 $ 109,000
Lexington-Fayette, KY 22,233 $ 5,813,915,000 $ 261,000 $ 138,000
Louisville/Jefferson County, KY-IN 51,200 $ 12,225,800,000 $ 238,000 $ 121,000
Owensboro, KY 4,154 $ 752,310,000 $ 181,000 $ 106,000
Paducah, KY-IL 3,403 $ 606,125,000 $ 178,000 $ 109,000
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Mortgage Loan Application Totals in 2025 by Kentucky County

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Adair 368 $ 61,500,000 $ 167,000 $ 81,000
Allen 1,008 $ 187,280,000 $ 185,000 $ 93,000
Anderson 1,301 $ 259,275,000 $ 199,000 $ 104,000
Ballard 279 $ 41,005,000 $ 146,000 $ 93,000
Barren 1,907 $ 355,915,000 $ 186,000 $ 87,000
Bath 409 $ 63,025,000 $ 154,000 $ 91,000
Bell 689 $ 93,035,000 $ 135,000 $ 74,000
Boone 7,894 $ 1,876,290,000 $ 237,000 $ 128,000
Bourbon 873 $ 174,445,000 $ 199,000 $ 114,000
Boyd 1,859 $ 265,735,000 $ 142,000 $ 92,000
Boyle 1,216 $ 223,340,000 $ 183,000 $ 98,000
Bracken 367 $ 54,295,000 $ 147,000 $ 97,000
Breathitt 297 $ 33,285,000 $ 112,000 $ 75,000
Breckinridge 785 $ 128,535,000 $ 163,000 $ 105,000
Bullitt 4,832 $ 995,500,000 $ 206,000 $ 102,000
Butler 412 $ 66,110,000 $ 160,000 $ 100,000
Caldwell 421 $ 63,185,000 $ 150,000 $ 102,000
Calloway 1,104 $ 224,590,000 $ 203,000 $ 109,000
Campbell 4,798 $ 1,055,910,000 $ 220,000 $ 124,000
Carlisle 160 $ 22,810,000 $ 142,000 $ 89,000
Carroll 454 $ 72,500,000 $ 159,000 $ 91,000
Carter 918 $ 133,300,000 $ 145,000 $ 93,000
Casey 379 $ 57,745,000 $ 152,000 $ 73,000
Christian 2,604 $ 513,760,000 $ 197,000 $ 108,000
Clark 1,730 $ 345,020,000 $ 199,000 $ 99,000
Clay 512 $ 67,370,000 $ 131,000 $ 77,000
Clinton 188 $ 28,330,000 $ 150,000 $ 82,000
Crittenden 245 $ 33,265,000 $ 135,000 $ 82,000
Cumberland 136 $ 23,540,000 $ 173,000 $ 96,000
Daviess 3,849 $ 710,485,000 $ 184,000 $ 108,000
Edmonson 649 $ 130,375,000 $ 200,000 $ 109,000
Elliott 107 $ 16,585,000 $ 155,000 $ 100,000
Estill 470 $ 71,480,000 $ 152,000 $ 75,000
Fayette 12,116 $ 3,312,370,000 $ 273,000 $ 148,000
Fleming 613 $ 94,865,000 $ 154,000 $ 87,000
Floyd 1,045 $ 128,415,000 $ 122,000 $ 88,000
Franklin 2,546 $ 501,740,000 $ 197,000 $ 101,000
Fulton 129 $ 13,315,000 $ 103,000 $ 94,000
Gallatin 466 $ 100,770,000 $ 216,000 $ 87,000
Garrard 940 $ 186,820,000 $ 198,000 $ 98,000
Grant 1,501 $ 301,095,000 $ 200,000 $ 104,000
Graves 1,147 $ 171,845,000 $ 149,000 $ 93,000
Grayson 1,170 $ 212,870,000 $ 181,000 $ 108,000
Green 322 $ 45,350,000 $ 140,000 $ 79,000
Greenup 1,537 $ 219,155,000 $ 142,000 $ 94,000
Hancock 415 $ 65,205,000 $ 157,000 $ 93,000
Hardin 5,787 $ 1,354,035,000 $ 233,000 $ 109,000
Harlan 542 $ 60,420,000 $ 111,000 $ 84,000
Harrison 819 $ 154,785,000 $ 188,000 $ 99,000
Hart 845 $ 127,915,000 $ 151,000 $ 84,000
Henderson 1,768 $ 268,400,000 $ 151,000 $ 95,000
Henry 775 $ 146,075,000 $ 188,000 $ 99,000
Hickman 93 $ 12,085,000 $ 129,000 $ 86,000
Hopkins 1,908 $ 289,800,000 $ 151,000 $ 94,000
Jackson 386 $ 55,960,000 $ 144,000 $ 78,000
Jefferson 34,447 $ 8,204,075,000 $ 238,000 $ 118,000
Jessamine 2,686 $ 761,070,000 $ 283,000 $ 154,000
Johnson 725 $ 100,475,000 $ 138,000 $ 94,000
Kenton 9,248 $ 2,228,670,000 $ 240,000 $ 120,000
Knott 325 $ 42,795,000 $ 131,000 $ 80,000
Knox 919 $ 126,415,000 $ 137,000 $ 72,000
Larue 658 $ 125,300,000 $ 190,000 $ 103,000
Laurel 2,748 $ 448,430,000 $ 163,000 $ 84,000
Lawrence 534 $ 74,770,000 $ 140,000 $ 82,000
Lee 190 $ 26,390,000 $ 138,000 $ 85,000
Leslie 199 $ 21,495,000 $ 108,000 $ 65,000
Letcher 352 $ 39,020,000 $ 110,000 $ 79,000
Lewis 443 $ 61,645,000 $ 139,000 $ 84,000
Lincoln 977 $ 147,015,000 $ 150,000 $ 76,000
Livingston 322 $ 46,720,000 $ 145,000 $ 98,000
Logan 1,165 $ 218,005,000 $ 187,000 $ 99,000
Lyon 290 $ 57,830,000 $ 199,000 $ 133,000
Madison 4,643 $ 1,066,835,000 $ 229,000 $ 108,000
Magoffin 270 $ 35,860,000 $ 132,000 $ 84,000
Marion 517 $ 84,655,000 $ 163,000 $ 86,000
Marshall 1,400 $ 257,550,000 $ 183,000 $ 110,000
Martin 275 $ 30,425,000 $ 110,000 $ 69,000
Mason 576 $ 90,430,000 $ 156,000 $ 100,000
McCracken 2,642 $ 495,590,000 $ 187,000 $ 114,000
McCreary 557 $ 71,065,000 $ 127,000 $ 66,000
McLean 305 $ 41,825,000 $ 137,000 $ 87,000
Meade 1,669 $ 343,995,000 $ 206,000 $ 104,000
Menifee 293 $ 37,605,000 $ 128,000 $ 83,000
Mercer 1,212 $ 223,050,000 $ 184,000 $ 96,000
Metcalfe 356 $ 50,560,000 $ 142,000 $ 75,000
Monroe 339 $ 40,665,000 $ 119,000 $ 79,000
Montgomery 1,261 $ 211,155,000 $ 167,000 $ 86,000
Morgan 221 $ 30,785,000 $ 139,000 $ 82,000
Muhlenberg 1,071 $ 142,715,000 $ 133,000 $ 88,000
Nelson 2,262 $ 457,920,000 $ 202,000 $ 99,000
Nicholas 315 $ 48,095,000 $ 152,000 $ 83,000
Ohio 852 $ 130,930,000 $ 153,000 $ 89,000
Oldham 3,587 $ 1,158,925,000 $ 323,000 $ 188,000
Owen 623 $ 107,245,000 $ 172,000 $ 104,000
Owsley 92 $ 11,950,000 $ 129,000 $ 69,000
Pendleton 727 $ 132,005,000 $ 181,000 $ 95,000
Perry 569 $ 72,265,000 $ 127,000 $ 83,000
Pike 1,507 $ 205,835,000 $ 136,000 $ 91,000
Powell 573 $ 89,235,000 $ 155,000 $ 85,000
Pulaski 2,463 $ 425,515,000 $ 172,000 $ 94,000
Robertson 77 $ 11,305,000 $ 146,000 $ 83,000
Rockcastle 578 $ 80,260,000 $ 138,000 $ 75,000
Rowan 739 $ 131,395,000 $ 177,000 $ 105,000
Russell 612 $ 100,740,000 $ 164,000 $ 102,000
Scott 3,608 $ 932,540,000 $ 258,000 $ 120,000
Shelby 2,518 $ 648,270,000 $ 257,000 $ 133,000
Simpson 1,102 $ 243,340,000 $ 220,000 $ 92,000
Spencer 1,110 $ 271,040,000 $ 244,000 $ 124,000
Taylor 646 $ 114,440,000 $ 177,000 $ 88,000
Todd 418 $ 78,340,000 $ 187,000 $ 94,000
Trigg 715 $ 143,505,000 $ 200,000 $ 116,000
Trimble 380 $ 66,640,000 $ 175,000 $ 109,000
Union 323 $ 43,545,000 $ 134,000 $ 87,000
Warren 5,399 $ 1,543,655,000 $ 285,000 $ 122,000
Washington 389 $ 68,585,000 $ 176,000 $ 88,000
Wayne 523 $ 77,715,000 $ 148,000 $ 89,000
Webster 376 $ 51,710,000 $ 137,000 $ 89,000
Whitley 1,411 $ 199,495,000 $ 141,000 $ 77,000
Wolfe 242 $ 47,150,000 $ 194,000 $ 133,000
Woodford 1,220 $ 288,470,000 $ 236,000 $ 131,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Kentucky's 2025 lending landscape. By analyzing detailed data on mortgage applications, loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can identify key trends shaping the state's housing market.

This in-depth information enables real estate experts, financial analysts, and policymakers to monitor market shifts, assess borrower demographics, and evaluate lender performance effectively. Leverage this powerful data to make informed decisions, conduct thorough market research, and stay ahead in the evolving mortgage industry.
To gain a deeper understanding of Kentucky's mortgage lending environment, download the comprehensive list of lenders and their aggregated HMDA statistics today.

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