Kentucky
Mortgage Loan Application
Totals and Details
in 2006

Find mortgage statistics and mortgage data for Kentucky.
Our lists allow you to explore the total number of mortgage applications and mortgage application details for 2003-2021 in all of Kentucky.
You can organize this information by metropolitan area and by county.

Years 2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 315,003
Total Mortgage Loan Application Amount $32,783,123,000
Average Mortgage Loan Application Amount $104,000
Highest Mortgage Loan Application Amount $89,997,000
Average Applicant Income $62,000
Highest Applicant Income $9,999,000

Mortgage stats and application averages for each year are shown below, as well as highest application amount and the income of the highest applicant.
If you are looking for a mortgage or loan application data statistics in Kentucky, these numbers will give you an idea of what to expect as you begin to look for a lender.

These lists can also be organized by various details about Mortgage Loan Applications for each year, with categories such as loan purpose, race of mortgage applicant, loan type, the outcome of the application, and reason for denial.

Each category breaks down the total number of mortgage applications, the total dollar amount for those applications, the average mortgage amount, and the highest mortgage within that category. You can also look at information regarding the average income of the mortgage applicants and the highest income of the mortgage applicants. If you're looking for a certain type of mortgage, these numbers will give you a better gauge of what to expect in various situations.

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Mortgage Loan Application Detail Totals for Kentucky in 2006

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
Refinancing 157,079 $17,041,294,000 $108,000 $16,350,000 $62,000 $6,632,000
Home Purchase 129,874 $14,696,722,000 $113,000 $89,997,000 $62,000 $9,999,000
Home Improvement 28,050 $1,045,107,000 $37,000 $4,622,000 $59,000 $4,560,000

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 224,762 $22,751,267,000 $101,000 $13,000,000 $67,000 $9,999,000
Not Provided 34,911 $3,779,193,000 $108,000 $89,997,000 $62,000 $5,532,000
Not applicable 30,453 $3,837,769,000 $126,000 $27,000,000 $26,000 $6,632,000
Black or African American 17,615 $1,600,307,000 $90,000 $1,680,000 $57,000 $4,834,000
Hispanic 3,990 $405,859,000 $101,000 $1,280,000 $62,000 $705,000
Asian 2,001 $280,841,000 $140,000 $1,289,000 $89,000 $1,176,000
American Indian or Alaskan Native 848 $76,170,000 $89,000 $1,000,000 $63,000 $800,000
Native Hawaiian or Other Pacific Islander 423 $51,717,000 $122,000 $1,250,000 $59,000 $494,000

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) 297,114 $30,708,883,000 $103,000 $89,997,000 $63,000 $9,999,000
FHA-insured (Federal Housing Administration) 12,548 $1,392,055,000 $110,000 $16,350,000 $45,000 $1,190,000
VA-guaranteed (Veterans Administration) 4,262 $584,160,000 $137,000 $444,000 $49,000 $395,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1,079 $98,025,000 $90,000 $290,000 $35,000 $396,000

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 135,330 $14,369,433,000 $106,000 $27,000,000 $71,000 $9,999,000
Application Denied By Financial Institution 71,678 $6,475,357,000 $90,000 $89,997,000 $56,000 $5,345,000
Loan Purchased By The Institution 47,679 $5,664,188,000 $118,000 $2,170,000 $42,000 $5,580,000
Application Withdrawn By Applicant 29,654 $3,229,511,000 $108,000 $13,000,000 $63,000 $3,600,000
Application Approved But Not Accepted 22,170 $2,065,568,000 $93,000 $4,565,000 $62,000 $2,644,000
File Closed For Incompleteness 8,409 $970,604,000 $115,000 $1,500,000 $68,000 $4,728,000
Preapproval Denied by Financial Institution 81 $8,248,000 $101,000 $204,000 $35,000 $95,000
Preapproval Approved but not Accepted 2 $214,000 $107,000 $161,000 $48,000 $60,000

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
Credit History 17,396 $1,327,201,000 $76,000 $3,300,000 $51,000 $4,560,000
Other 8,055 $844,317,000 $104,000 $15,225,000 $62,000 $4,834,000
Collateral 6,217 $614,888,000 $98,000 $3,200,000 $70,000 $5,345,000
Debt-To-Income Ratio 5,811 $549,670,000 $94,000 $1,420,000 $44,000 $848,000
Credit Application Incomplete 3,113 $339,596,000 $109,000 $1,500,000 $68,000 $1,537,000
Unverifiable Information 907 $100,767,000 $111,000 $1,500,000 $65,000 $760,000
Insufficient Cash (Downpayment, Closing Cost) 564 $150,480,000 $266,000 $89,997,000 $63,000 $1,080,000
Employment History 425 $36,167,000 $85,000 $950,000 $45,000 $910,000
Mortgage Insurance Denied 8 $1,502,000 $187,000 $694,000 $71,000 $264,000
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Mortgage Loan Application Totals in 2006 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 8,073 $ 857,380,000 $ 106,000 $ 66,000
ELIZABETHTOWN, KY 11,407 $ 1,175,975,000 $ 103,000 $ 60,000
LEXINGTON-FAYETTE, KY 40,098 $ 5,020,310,000 $ 125,000 $ 72,000
LOUISVILLE-JEFFERSON COUNTY, KY-IN 93,815 $ 10,959,181,000 $ 116,000 $ 66,000
OWENSBORO, KY 7,237 $ 582,078,000 $ 80,000 $ 56,000
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Mortgage Loan Application Totals in 2006 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 756 $ 63,191,000 $ 83,000 $ 48,000
Allen 1,321 $ 101,095,000 $ 76,000 $ 53,000
Anderson 2,047 $ 217,515,000 $ 106,000 $ 56,000
Ballard 406 $ 29,555,000 $ 72,000 $ 58,000
Barren 1,806 $ 156,301,000 $ 86,000 $ 55,000
Bath 607 $ 47,306,000 $ 77,000 $ 51,000
Bell 1,131 $ 73,013,000 $ 64,000 $ 43,000
Boone 12,401 $ 1,626,891,000 $ 131,000 $ 71,000
Bourbon 1,570 $ 166,279,000 $ 105,000 $ 68,000
Boyd 3,716 $ 301,253,000 $ 81,000 $ 58,000
Boyle 1,852 $ 179,514,000 $ 96,000 $ 55,000
Bracken 806 $ 59,031,000 $ 73,000 $ 53,000
Breathitt 340 $ 21,058,000 $ 61,000 $ 45,000
Breckinridge 981 $ 76,576,000 $ 78,000 $ 64,000
Bullitt 7,393 $ 783,826,000 $ 106,000 $ 59,000
Butler 540 $ 40,001,000 $ 74,000 $ 49,000
Caldwell 591 $ 38,026,000 $ 64,000 $ 47,000
Calloway 1,699 $ 150,578,000 $ 88,000 $ 61,000
Campbell 7,956 $ 853,323,000 $ 107,000 $ 65,000
Carlisle 104 $ 7,526,000 $ 72,000 $ 49,000
Carroll 835 $ 72,047,000 $ 86,000 $ 54,000
Carter 1,209 $ 92,489,000 $ 76,000 $ 49,000
Casey 610 $ 45,920,000 $ 75,000 $ 47,000
Christian 3,906 $ 322,471,000 $ 82,000 $ 56,000
Clark 3,104 $ 315,292,000 $ 101,000 $ 58,000
Clay 588 $ 38,848,000 $ 66,000 $ 41,000
Clinton 313 $ 24,887,000 $ 79,000 $ 74,000
Crittenden 336 $ 27,051,000 $ 80,000 $ 50,000
Cumberland 187 $ 14,788,000 $ 79,000 $ 52,000
Daviess 6,250 $ 515,180,000 $ 82,000 $ 57,000
Edmonson 852 $ 61,178,000 $ 71,000 $ 53,000
Elliott 101 $ 7,345,000 $ 72,000 $ 58,000
Estill 977 $ 66,630,000 $ 68,000 $ 45,000
Fayette 24,041 $ 3,059,793,000 $ 127,000 $ 73,000
Fleming 712 $ 52,585,000 $ 73,000 $ 50,000
Floyd 1,805 $ 132,880,000 $ 73,000 $ 52,000
Franklin 3,427 $ 354,246,000 $ 103,000 $ 61,000
Fulton 225 $ 11,939,000 $ 53,000 $ 44,000
Gallatin 895 $ 83,310,000 $ 93,000 $ 52,000
Garrard 1,563 $ 145,654,000 $ 93,000 $ 52,000
Grant 2,420 $ 243,726,000 $ 100,000 $ 56,000
Graves 1,768 $ 123,716,000 $ 69,000 $ 51,000
Grayson 1,655 $ 136,242,000 $ 82,000 $ 53,000
Green 679 $ 44,565,000 $ 65,000 $ 44,000
Greenup 2,859 $ 226,116,000 $ 79,000 $ 53,000
Hancock 491 $ 35,962,000 $ 73,000 $ 49,000
Hardin 10,230 $ 1,084,720,000 $ 106,000 $ 61,000
Harlan 1,033 $ 63,835,000 $ 61,000 $ 42,000
Harrison 1,314 $ 117,200,000 $ 89,000 $ 54,000
Hart 1,010 $ 73,465,000 $ 72,000 $ 48,000
Henderson 3,130 $ 268,772,000 $ 85,000 $ 55,000
Henry 1,555 $ 153,656,000 $ 98,000 $ 56,000
Hickman 124 $ 7,641,000 $ 61,000 $ 59,000
Hopkins 2,427 $ 176,001,000 $ 72,000 $ 55,000
Jackson 427 $ 30,454,000 $ 71,000 $ 42,000
Jefferson 66,083 $ 7,586,235,000 $ 114,000 $ 66,000
Jessamine 4,638 $ 619,301,000 $ 133,000 $ 75,000
Johnson 1,120 $ 102,068,000 $ 91,000 $ 50,000
Kenton 15,789 $ 1,716,362,000 $ 108,000 $ 65,000
Knott 438 $ 26,715,000 $ 60,000 $ 47,000
Knox 1,062 $ 81,415,000 $ 76,000 $ 44,000
Larue 1,202 $ 94,418,000 $ 78,000 $ 53,000
Laurel 3,210 $ 294,223,000 $ 91,000 $ 53,000
Lawrence 661 $ 51,981,000 $ 78,000 $ 50,000
Lee 320 $ 19,037,000 $ 59,000 $ 39,000
Leslie 253 $ 15,044,000 $ 59,000 $ 44,000
Letcher 1,115 $ 58,009,000 $ 52,000 $ 47,000
Lewis 544 $ 33,651,000 $ 61,000 $ 46,000
Lincoln 1,636 $ 119,704,000 $ 73,000 $ 45,000
Livingston 531 $ 42,416,000 $ 79,000 $ 58,000
Logan 1,580 $ 123,117,000 $ 77,000 $ 57,000
Lyon 405 $ 43,476,000 $ 107,000 $ 77,000
Madison 5,938 $ 660,134,000 $ 111,000 $ 61,000
Magoffin 313 $ 22,177,000 $ 70,000 $ 50,000
Marion 1,012 $ 78,244,000 $ 77,000 $ 51,000
Marshall 1,693 $ 143,947,000 $ 85,000 $ 57,000
Martin 259 $ 17,278,000 $ 66,000 $ 43,000
Mason 985 $ 82,122,000 $ 83,000 $ 57,000
McCracken 3,795 $ 348,065,000 $ 91,000 $ 59,000
McCreary 549 $ 38,862,000 $ 70,000 $ 42,000
McLean 500 $ 31,148,000 $ 62,000 $ 49,000
Meade 2,490 $ 256,909,000 $ 103,000 $ 56,000
Menifee 585 $ 33,522,000 $ 57,000 $ 45,000
Mercer 1,727 $ 170,672,000 $ 98,000 $ 54,000
Metcalfe 302 $ 19,431,000 $ 64,000 $ 41,000
Monroe 339 $ 23,930,000 $ 70,000 $ 53,000
Montgomery 2,619 $ 224,297,000 $ 85,000 $ 53,000
Morgan 368 $ 27,766,000 $ 75,000 $ 48,000
Muhlenberg 1,588 $ 99,016,000 $ 62,000 $ 46,000
Nelson 3,921 $ 373,845,000 $ 95,000 $ 53,000
Nicholas 385 $ 29,032,000 $ 75,000 $ 49,000
Ohio 1,057 $ 72,389,000 $ 68,000 $ 48,000
Oldham 5,622 $ 937,789,000 $ 166,000 $ 88,000
Owen 755 $ 77,241,000 $ 102,000 $ 61,000
Owsley 82 $ 4,185,000 $ 51,000 $ 37,000
Pendleton 1,163 $ 106,485,000 $ 91,000 $ 54,000
Perry 856 $ 67,136,000 $ 78,000 $ 56,000
Pike 2,988 $ 219,740,000 $ 73,000 $ 53,000
Powell 1,113 $ 69,439,000 $ 62,000 $ 51,000
Pulaski 3,819 $ 349,189,000 $ 91,000 $ 56,000
Robertson 97 $ 5,812,000 $ 59,000 $ 44,000
Rockcastle 751 $ 59,444,000 $ 79,000 $ 48,000
Rowan 1,068 $ 93,913,000 $ 87,000 $ 54,000
Russell 889 $ 80,859,000 $ 90,000 $ 54,000
Scott 4,701 $ 581,602,000 $ 123,000 $ 71,000
Shelby 3,959 $ 539,222,000 $ 136,000 $ 78,000
Simpson 1,543 $ 134,454,000 $ 87,000 $ 51,000
Spencer 2,026 $ 263,164,000 $ 129,000 $ 65,000
Taylor 1,122 $ 95,305,000 $ 84,000 $ 47,000
Todd 560 $ 48,797,000 $ 87,000 $ 59,000
Trigg 1,086 $ 99,541,000 $ 91,000 $ 61,000
Trimble 808 $ 69,243,000 $ 85,000 $ 57,000
Union 853 $ 48,210,000 $ 56,000 $ 47,000
Warren 7,290 $ 802,928,000 $ 110,000 $ 67,000
Washington 704 $ 59,502,000 $ 84,000 $ 51,000
Wayne 1,170 $ 86,787,000 $ 74,000 $ 51,000
Webster 732 $ 42,120,000 $ 57,000 $ 50,000
Whitley 1,743 $ 138,869,000 $ 79,000 $ 52,000
Wolfe 446 $ 21,983,000 $ 49,000 $ 41,000
Woodford 2,072 $ 281,429,000 $ 135,000 $ 73,000

We hope these mortgage application details and statistics will give you a better idea of what to expect when applying for a mortgage.
Whether you are looking for a home loan, for home financing or refinancing, or for home improvement loan statistics, we have the information you need.
These mortgage application stats give you everything you need to know as you start your search for the best mortgage lender in Kentucky.

If you prefer, you can download a copy of the entire list of mortgage lenders in Kentucky and search similar information back through 2003.

Download the Kentucky Lender List