Kentucky
Mortgage Loan Application
Totals and Details
in 2018

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 2003-2018 in all of Kentucky.
You can organize this information by metropolitan area and by county.

Years 2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 180,450
Total Mortgage Loan Application Amount $26,752,620,000
Average Mortgage Loan Application Amount $148,000
Highest Mortgage Loan Application Amount $83,505,000
Average Applicant Income $82,000
Highest Applicant Income $8,635,000

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 2018

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 97,345 $16,230,435,000 $166,000 $52,755,000 $78,000 $8,635,000
Refinancing 28,976 $4,569,540,000 $157,000 $83,505,000 $91,000 $8,394,000
Cash-out Refinancing 25,444 $3,922,420,000 $154,000 $9,705,000 $77,000 $3,660,000
Other Purpose 13,311 $932,475,000 $70,000 $32,505,000 $93,000 $8,000,000
Home Improvement 12,657 $791,765,000 $62,000 $14,175,000 $91,000 $2,080,000
Not Applicable 2,717 $305,985,000 $112,000 $5,225,000 $81,000 $440,000

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 135,526 $18,448,910,000 $136,000 $4,265,000 $82,000 $8,635,000
Not applicable 17,538 $4,366,760,000 $248,000 $83,505,000 $77,000 $909,000
Not Provided 12,600 $1,901,700,000 $150,000 $2,715,000 $87,000 $7,475,000
Black or African American 7,625 $976,135,000 $128,000 $13,005,000 $64,000 $840,000
Hispanic 3,659 $479,605,000 $131,000 $3,135,000 $66,000 $2,880,000
Asian 2,226 $405,820,000 $182,000 $1,805,000 $103,000 $6,370,000
American Indian or Alaskan Native 711 $81,905,000 $115,000 $755,000 $69,000 $1,256,000
Native Hawaiian or Other Pacific Islander 136 $20,490,000 $150,000 $485,000 $83,000 $431,000

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) 129,079 $18,822,285,000 $145,000 $83,505,000 $90,000 $8,635,000
FHA-insured (Federal Housing Administration) 28,794 $4,147,070,000 $144,000 $35,705,000 $55,000 $1,125,000
VA-guaranteed (Veterans Administration) 14,965 $2,843,105,000 $189,000 $955,000 $71,000 $8,247,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7,612 $940,160,000 $123,000 $1,505,000 $46,000 $2,433,000

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 98,981 $15,648,655,000 $158,000 $83,505,000 $88,000 $8,394,000
Application Denied By Financial Institution 30,640 $3,247,700,000 $105,000 $13,005,000 $65,000 $8,000,000
Loan Purchased By The Institution 20,405 $3,386,545,000 $165,000 $29,235,000 $83,000 $909,000
Application Withdrawn By Applicant 18,721 $3,025,065,000 $161,000 $38,005,000 $82,000 $8,635,000
File Closed For Incompleteness 7,614 $909,790,000 $119,000 $2,605,000 $71,000 $1,715,000
Application Approved But Not Accepted 4,056 $530,510,000 $130,000 $7,425,000 $87,000 $5,351,000
Preapproval Approved but not Accepted 18 $2,730,000 $151,000 $315,000 $70,000 $149,000
Preapproval Denied by Financial Institution 15 $1,625,000 $108,000 $225,000 $46,000 $120,000

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 144,892 $22,763,490,000 $157,000 $83,505,000 $85,000 $8,635,000
Debt-To-Income Ratio 12,432 $1,618,800,000 $130,000 $28,005,000 $67,000 $5,351,000
Credit History 11,587 $970,735,000 $83,000 $13,005,000 $66,000 $8,000,000
Collateral 4,460 $513,910,000 $115,000 $1,845,000 $85,000 $4,600,000
Other 2,608 $324,020,000 $124,000 $9,005,000 $70,000 $3,660,000
Credit Application Incomplete 2,269 $321,905,000 $141,000 $2,005,000 $77,000 $1,680,000
Unverifiable Information 1,143 $112,955,000 $98,000 $2,525,000 $62,000 $1,365,000
Insufficient Cash (Downpayment, Closing Cost) 584 $71,480,000 $122,000 $905,000 $65,000 $523,000
Employment History 450 $51,750,000 $115,000 $805,000 $52,000 $840,000
Mortgage Insurance Denied 25 $3,575,000 $143,000 $325,000 $62,000 $127,000
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Mortgage Loan Application Totals in 2018 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 7,222 $ 1,164,310,000 $ 161,000 $ 86,000
ELIZABETHTOWN-FORT KNOX, KY 7,061 $ 1,013,575,000 $ 143,000 $ 77,000
LEXINGTON-FAYETTE, KY 23,568 $ 4,212,700,000 $ 178,000 $ 97,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 51,159 $ 9,035,385,000 $ 176,000 $ 89,000
OWENSBORO, KY 4,668 $ 537,220,000 $ 115,000 $ 73,000
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Mortgage Loan Application Totals in 2018 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 336 $ 33,020,000 $ 98,000 $ 56,000
Allen 855 $ 97,205,000 $ 113,000 $ 71,000
Anderson 1,162 $ 152,990,000 $ 131,000 $ 71,000
Ballard 182 $ 17,880,000 $ 98,000 $ 63,000
Barren 1,592 $ 185,530,000 $ 116,000 $ 72,000
Bath 260 $ 25,720,000 $ 98,000 $ 58,000
Bell 595 $ 47,365,000 $ 79,000 $ 50,000
Boone 8,032 $ 1,328,050,000 $ 165,000 $ 92,000
Bourbon 673 $ 99,605,000 $ 148,000 $ 81,000
Boyd 1,848 $ 205,010,000 $ 110,000 $ 78,000
Boyle 1,000 $ 130,030,000 $ 130,000 $ 73,000
Bracken 286 $ 26,350,000 $ 92,000 $ 101,000
Breathitt 182 $ 12,560,000 $ 69,000 $ 55,000
Breckinridge 648 $ 72,210,000 $ 111,000 $ 72,000
Bullitt 4,926 $ 706,310,000 $ 143,000 $ 68,000
Butler 375 $ 35,835,000 $ 95,000 $ 66,000
Caldwell 305 $ 32,505,000 $ 106,000 $ 69,000
Calloway 979 $ 119,865,000 $ 122,000 $ 76,000
Campbell 5,351 $ 816,515,000 $ 152,000 $ 94,000
Carlisle 84 $ 8,450,000 $ 100,000 $ 61,000
Carroll 327 $ 37,515,000 $ 114,000 $ 68,000
Carter 653 $ 60,885,000 $ 93,000 $ 61,000
Casey 313 $ 31,815,000 $ 101,000 $ 57,000
Christian 2,143 $ 249,925,000 $ 116,000 $ 73,000
Clark 1,690 $ 237,680,000 $ 140,000 $ 71,000
Clay 326 $ 23,840,000 $ 73,000 $ 52,000
Clinton 153 $ 13,695,000 $ 89,000 $ 66,000
Crittenden 231 $ 19,875,000 $ 86,000 $ 64,000
Cumberland 105 $ 9,185,000 $ 87,000 $ 70,000
Daviess 4,059 $ 483,725,000 $ 119,000 $ 73,000
Edmonson 565 $ 63,325,000 $ 112,000 $ 70,000
Elliott 75 $ 7,455,000 $ 99,000 $ 62,000
Estill 319 $ 31,335,000 $ 98,000 $ 54,000
Fayette 14,136 $ 2,587,640,000 $ 183,000 $ 103,000
Fleming 399 $ 36,865,000 $ 92,000 $ 61,000
Floyd 871 $ 85,985,000 $ 98,000 $ 63,000
Franklin 2,231 $ 276,465,000 $ 123,000 $ 73,000
Fulton 73 $ 6,075,000 $ 83,000 $ 48,000
Gallatin 366 $ 39,610,000 $ 108,000 $ 65,000
Garrard 732 $ 96,350,000 $ 131,000 $ 71,000
Grant 1,052 $ 134,090,000 $ 127,000 $ 71,000
Graves 830 $ 86,700,000 $ 104,000 $ 69,000
Grayson 892 $ 96,570,000 $ 108,000 $ 70,000
Green 310 $ 27,490,000 $ 88,000 $ 64,000
Greenup 1,549 $ 180,335,000 $ 116,000 $ 77,000
Hancock 346 $ 31,450,000 $ 90,000 $ 73,000
Hardin 5,146 $ 769,850,000 $ 149,000 $ 79,000
Harlan 511 $ 39,165,000 $ 76,000 $ 55,000
Harrison 623 $ 80,355,000 $ 128,000 $ 67,000
Hart 550 $ 53,730,000 $ 97,000 $ 62,000
Henderson 1,733 $ 180,005,000 $ 103,000 $ 73,000
Henry 636 $ 78,660,000 $ 123,000 $ 75,000
Hickman 53 $ 4,055,000 $ 76,000 $ 55,000
Hopkins 1,677 $ 169,485,000 $ 101,000 $ 73,000
Jackson 264 $ 22,950,000 $ 86,000 $ 48,000
Jefferson 37,398 $ 6,638,770,000 $ 177,000 $ 89,000
Jessamine 2,473 $ 491,735,000 $ 198,000 $ 107,000
Johnson 649 $ 72,195,000 $ 111,000 $ 70,000
Kenton 9,391 $ 1,371,395,000 $ 146,000 $ 87,000
Knott 244 $ 18,200,000 $ 74,000 $ 57,000
Knox 804 $ 72,650,000 $ 90,000 $ 57,000
Larue 622 $ 72,410,000 $ 116,000 $ 65,000
Laurel 1,977 $ 214,425,000 $ 108,000 $ 64,000
Lawrence 384 $ 40,360,000 $ 105,000 $ 66,000
Lee 113 $ 8,285,000 $ 73,000 $ 50,000
Leslie 155 $ 12,385,000 $ 79,000 $ 53,000
Letcher 423 $ 30,845,000 $ 72,000 $ 54,000
Lewis 303 $ 26,595,000 $ 87,000 $ 60,000
Lincoln 662 $ 67,380,000 $ 101,000 $ 59,000
Livingston 274 $ 27,080,000 $ 98,000 $ 70,000
Logan 936 $ 103,770,000 $ 110,000 $ 65,000
Lyon 273 $ 38,625,000 $ 141,000 $ 91,000
Madison 3,851 $ 617,735,000 $ 160,000 $ 78,000
Magoffin 209 $ 18,125,000 $ 86,000 $ 50,000
Marion 640 $ 65,330,000 $ 102,000 $ 60,000
Marshall 982 $ 114,110,000 $ 116,000 $ 76,000
Martin 164 $ 13,280,000 $ 80,000 $ 60,000
Mason 465 $ 51,575,000 $ 110,000 $ 66,000
McCracken 2,060 $ 297,160,000 $ 144,000 $ 77,000
McCreary 285 $ 22,475,000 $ 78,000 $ 49,000
McLean 295 $ 24,475,000 $ 82,000 $ 70,000
Meade 1,307 $ 172,835,000 $ 132,000 $ 76,000
Menifee 252 $ 19,120,000 $ 75,000 $ 57,000
Mercer 948 $ 118,450,000 $ 124,000 $ 70,000
Metcalfe 263 $ 22,295,000 $ 84,000 $ 52,000
Monroe 227 $ 22,315,000 $ 98,000 $ 61,000
Montgomery 1,121 $ 134,085,000 $ 119,000 $ 64,000
Morgan 159 $ 15,925,000 $ 100,000 $ 60,000
Muhlenberg 1,013 $ 95,915,000 $ 94,000 $ 65,000
Nelson 2,294 $ 319,080,000 $ 139,000 $ 71,000
Nicholas 201 $ 20,845,000 $ 103,000 $ 64,000
Ohio 728 $ 72,960,000 $ 100,000 $ 63,000
Oldham 4,020 $ 900,940,000 $ 224,000 $ 120,000
Owen 410 $ 48,280,000 $ 117,000 $ 70,000
Owsley 55 $ 4,045,000 $ 73,000 $ 53,000
Pendleton 538 $ 61,170,000 $ 113,000 $ 69,000
Perry 483 $ 42,915,000 $ 88,000 $ 68,000
Pike 1,551 $ 154,625,000 $ 99,000 $ 71,000
Powell 465 $ 42,205,000 $ 90,000 $ 55,000
Pulaski 1,993 $ 238,945,000 $ 119,000 $ 70,000
Robertson 58 $ 4,390,000 $ 75,000 $ 53,000
Rockcastle 378 $ 35,130,000 $ 92,000 $ 58,000
Rowan 536 $ 64,330,000 $ 120,000 $ 67,000
Russell 519 $ 54,565,000 $ 105,000 $ 80,000
Scott 3,454 $ 611,300,000 $ 176,000 $ 85,000
Shelby 2,693 $ 468,425,000 $ 173,000 $ 87,000
Simpson 788 $ 110,330,000 $ 140,000 $ 62,000
Spencer 1,220 $ 207,600,000 $ 170,000 $ 82,000
Taylor 614 $ 65,410,000 $ 106,000 $ 62,000
Todd 250 $ 26,890,000 $ 107,000 $ 65,000
Trigg 562 $ 76,320,000 $ 135,000 $ 87,000
Trimble 374 $ 43,830,000 $ 117,000 $ 73,000
Union 264 $ 25,200,000 $ 95,000 $ 67,000
Warren 5,500 $ 978,800,000 $ 177,000 $ 92,000
Washington 288 $ 33,290,000 $ 115,000 $ 64,000
Wayne 487 $ 46,055,000 $ 94,000 $ 83,000
Webster 323 $ 31,365,000 $ 97,000 $ 86,000
Whitley 1,164 $ 107,230,000 $ 92,000 $ 60,000
Wolfe 141 $ 14,245,000 $ 101,000 $ 72,000
Woodford 1,167 $ 202,455,000 $ 173,000 $ 91,000

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