Kentucky
Mortgage Loan Application
Totals and Details
in 2019

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 2003-2019 in all of Kentucky.
You can organize this information by metropolitan area and by county.

Years 2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 203,816
Total Mortgage Loan Application Amount $33,469,475,000
Average Mortgage Loan Application Amount $164,000
Highest Mortgage Loan Application Amount $85,825,000
Average Applicant Income $88,000
Highest Applicant Income $5,055,000

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 2019

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 100,992 $17,548,045,000 $173,000 $45,255,000 $82,000 $4,241,000
Refinancing 46,070 $8,939,750,000 $194,000 $85,825,000 $99,000 $5,055,000
Cash-out Refinancing 28,913 $4,945,295,000 $171,000 $16,125,000 $84,000 $3,600,000
Other Purpose 13,353 $1,011,595,000 $75,000 $20,935,000 $95,000 $4,887,000
Home Improvement 12,602 $811,400,000 $64,000 $33,505,000 $94,000 $4,466,000
Not Applicable 1,886 $213,390,000 $113,000 $525,000 $92,000 $300,000

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 151,932 $23,120,410,000 $152,000 $5,105,000 $88,000 $5,055,000
Not applicable 19,345 $5,079,765,000 $262,000 $85,825,000 $77,000 $770,000
Not Provided 15,571 $2,701,695,000 $173,000 $4,445,000 $93,000 $3,600,000
Black or African American 8,529 $1,211,800,000 $142,000 $3,405,000 $71,000 $3,708,000
Hispanic 4,385 $616,195,000 $140,000 $1,105,000 $72,000 $3,431,000
Asian 2,777 $553,525,000 $199,000 $2,525,000 $101,000 $1,658,000
American Indian or Alaskan Native 681 $86,005,000 $126,000 $995,000 $69,000 $798,000
Native Hawaiian or Other Pacific Islander 125 $18,585,000 $148,000 $495,000 $80,000 $425,000

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) 145,887 $23,786,470,000 $163,000 $85,825,000 $96,000 $5,055,000
FHA-insured (Federal Housing Administration) 31,739 $4,834,795,000 $152,000 $28,615,000 $58,000 $864,000
VA-guaranteed (Veterans Administration) 18,957 $3,906,195,000 $206,000 $1,925,000 $72,000 $846,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 7,233 $942,015,000 $130,000 $1,505,000 $48,000 $209,000

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 113,885 $19,831,425,000 $174,000 $85,825,000 $93,000 $5,055,000
Application Denied By Financial Institution 30,980 $3,547,425,000 $114,000 $16,505,000 $69,000 $4,887,000
Loan Purchased By The Institution 23,634 $4,323,170,000 $182,000 $28,615,000 $90,000 $1,780,000
Application Withdrawn By Applicant 22,259 $3,927,535,000 $176,000 $33,505,000 $89,000 $4,241,000
File Closed For Incompleteness 8,911 $1,235,825,000 $138,000 $5,925,000 $77,000 $4,226,000
Application Approved But Not Accepted 4,106 $597,750,000 $145,000 $25,175,000 $85,000 $1,625,000
Preapproval Approved but not Accepted 28 $4,730,000 $168,000 $395,000 $72,000 $150,000
Preapproval Denied by Financial Institution 13 $1,615,000 $124,000 $225,000 $47,000 $79,000

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 162,742 $28,313,950,000 $173,000 $85,825,000 $91,000 $5,055,000
Debt-To-Income Ratio 17,652 $2,568,245,000 $145,000 $17,005,000 $75,000 $4,787,000
Credit History 11,448 $986,800,000 $86,000 $1,505,000 $69,000 $4,466,000
Collateral 4,407 $543,115,000 $123,000 $3,745,000 $87,000 $2,901,000
Credit Application Incomplete 2,581 $402,275,000 $155,000 $4,685,000 $85,000 $1,009,000
Other 2,574 $354,330,000 $137,000 $16,505,000 $81,000 $4,887,000
Unverifiable Information 1,190 $133,810,000 $112,000 $5,255,000 $79,000 $1,866,000
Insufficient Cash (Downpayment, Closing Cost) 728 $108,310,000 $148,000 $2,045,000 $75,000 $1,078,000
Employment History 476 $56,750,000 $119,000 $1,105,000 $51,000 $339,000
Mortgage Insurance Denied 18 $1,890,000 $105,000 $235,000 $48,000 $91,000
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Mortgage Loan Application Totals in 2019 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 8,012 $ 1,346,110,000 $ 168,000 $ 88,000
ELIZABETHTOWN-FORT KNOX, KY 8,233 $ 1,297,535,000 $ 157,000 $ 80,000
LEXINGTON-FAYETTE, KY 27,790 $ 5,589,890,000 $ 201,000 $ 103,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 59,369 $ 11,498,950,000 $ 193,000 $ 97,000
OWENSBORO, KY 5,221 $ 676,545,000 $ 129,000 $ 78,000
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Mortgage Loan Application Totals in 2019 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 353 $ 35,485,000 $ 100,000 $ 55,000
Allen 905 $ 117,185,000 $ 129,000 $ 81,000
Anderson 1,255 $ 176,245,000 $ 140,000 $ 79,000
Ballard 200 $ 19,690,000 $ 98,000 $ 62,000
Barren 1,640 $ 204,930,000 $ 124,000 $ 77,000
Bath 292 $ 29,880,000 $ 102,000 $ 58,000
Bell 609 $ 53,215,000 $ 87,000 $ 55,000
Boone 9,172 $ 1,732,880,000 $ 188,000 $ 97,000
Bourbon 844 $ 134,420,000 $ 159,000 $ 85,000
Boyd 1,838 $ 198,510,000 $ 108,000 $ 79,000
Boyle 1,083 $ 160,225,000 $ 147,000 $ 85,000
Bracken 322 $ 35,580,000 $ 110,000 $ 70,000
Breathitt 170 $ 13,890,000 $ 81,000 $ 59,000
Breckinridge 793 $ 92,165,000 $ 116,000 $ 75,000
Bullitt 5,713 $ 929,425,000 $ 162,000 $ 76,000
Butler 369 $ 39,915,000 $ 108,000 $ 66,000
Caldwell 352 $ 36,570,000 $ 103,000 $ 69,000
Calloway 989 $ 146,945,000 $ 148,000 $ 82,000
Campbell 5,821 $ 963,595,000 $ 165,000 $ 95,000
Carlisle 96 $ 14,490,000 $ 150,000 $ 103,000
Carroll 383 $ 40,615,000 $ 106,000 $ 78,000
Carter 858 $ 86,280,000 $ 100,000 $ 67,000
Casey 279 $ 30,385,000 $ 108,000 $ 57,000
Christian 2,282 $ 277,630,000 $ 121,000 $ 69,000
Clark 1,842 $ 293,790,000 $ 159,000 $ 80,000
Clay 383 $ 31,675,000 $ 82,000 $ 51,000
Clinton 168 $ 16,200,000 $ 96,000 $ 61,000
Crittenden 201 $ 20,785,000 $ 103,000 $ 70,000
Cumberland 128 $ 14,460,000 $ 112,000 $ 80,000
Daviess 4,553 $ 609,835,000 $ 133,000 $ 78,000
Edmonson 573 $ 71,935,000 $ 125,000 $ 84,000
Elliott 147 $ 13,455,000 $ 91,000 $ 67,000
Estill 329 $ 36,425,000 $ 110,000 $ 69,000
Fayette 16,829 $ 3,549,625,000 $ 210,000 $ 108,000
Fleming 401 $ 39,285,000 $ 97,000 $ 66,000
Floyd 897 $ 88,035,000 $ 98,000 $ 67,000
Franklin 2,597 $ 361,275,000 $ 139,000 $ 75,000
Fulton 67 $ 4,685,000 $ 69,000 $ 48,000
Gallatin 388 $ 46,980,000 $ 121,000 $ 77,000
Garrard 829 $ 117,425,000 $ 141,000 $ 74,000
Grant 1,293 $ 183,435,000 $ 141,000 $ 75,000
Graves 868 $ 89,750,000 $ 103,000 $ 66,000
Grayson 1,055 $ 120,175,000 $ 113,000 $ 81,000
Green 305 $ 28,335,000 $ 92,000 $ 61,000
Greenup 1,573 $ 187,005,000 $ 118,000 $ 83,000
Hancock 370 $ 40,900,000 $ 110,000 $ 69,000
Hardin 5,972 $ 982,800,000 $ 164,000 $ 83,000
Harlan 527 $ 42,355,000 $ 80,000 $ 60,000
Harrison 704 $ 95,430,000 $ 135,000 $ 67,000
Hart 505 $ 55,205,000 $ 109,000 $ 69,000
Henderson 1,892 $ 222,820,000 $ 117,000 $ 80,000
Henry 644 $ 91,390,000 $ 141,000 $ 73,000
Hickman 51 $ 5,085,000 $ 99,000 $ 61,000
Hopkins 1,575 $ 174,115,000 $ 110,000 $ 70,000
Jackson 273 $ 24,005,000 $ 87,000 $ 52,000
Jefferson 43,554 $ 8,468,845,000 $ 194,000 $ 96,000
Jessamine 2,933 $ 589,855,000 $ 201,000 $ 114,000
Johnson 750 $ 86,800,000 $ 115,000 $ 72,000
Kenton 10,611 $ 1,737,375,000 $ 163,000 $ 92,000
Knott 258 $ 21,420,000 $ 83,000 $ 55,000
Knox 842 $ 81,800,000 $ 97,000 $ 59,000
Larue 695 $ 85,345,000 $ 122,000 $ 71,000
Laurel 2,229 $ 261,785,000 $ 117,000 $ 66,000
Lawrence 405 $ 42,545,000 $ 105,000 $ 63,000
Lee 107 $ 8,795,000 $ 82,000 $ 63,000
Leslie 114 $ 9,390,000 $ 82,000 $ 56,000
Letcher 444 $ 36,480,000 $ 82,000 $ 67,000
Lewis 259 $ 24,235,000 $ 93,000 $ 61,000
Lincoln 716 $ 74,880,000 $ 104,000 $ 63,000
Livingston 266 $ 25,600,000 $ 96,000 $ 72,000
Logan 978 $ 116,720,000 $ 119,000 $ 71,000
Lyon 297 $ 43,185,000 $ 145,000 $ 109,000
Madison 4,559 $ 765,755,000 $ 167,000 $ 81,000
Magoffin 247 $ 20,935,000 $ 84,000 $ 58,000
Marion 666 $ 82,780,000 $ 124,000 $ 65,000
Marshall 1,099 $ 144,965,000 $ 131,000 $ 87,000
Martin 148 $ 12,480,000 $ 84,000 $ 65,000
Mason 502 $ 64,380,000 $ 128,000 $ 93,000
McCracken 2,106 $ 288,400,000 $ 136,000 $ 81,000
McCreary 299 $ 26,065,000 $ 87,000 $ 52,000
McLean 318 $ 27,700,000 $ 87,000 $ 73,000
Meade 1,593 $ 232,385,000 $ 145,000 $ 73,000
Menifee 247 $ 20,965,000 $ 84,000 $ 55,000
Mercer 1,095 $ 151,845,000 $ 138,000 $ 81,000
Metcalfe 252 $ 23,700,000 $ 94,000 $ 60,000
Monroe 300 $ 28,890,000 $ 96,000 $ 60,000
Montgomery 1,155 $ 142,895,000 $ 123,000 $ 66,000
Morgan 198 $ 18,210,000 $ 91,000 $ 62,000
Muhlenberg 989 $ 97,095,000 $ 98,000 $ 62,000
Nelson 2,533 $ 391,125,000 $ 154,000 $ 75,000
Nicholas 204 $ 19,390,000 $ 95,000 $ 60,000
Ohio 776 $ 82,780,000 $ 106,000 $ 69,000
Oldham 5,097 $ 1,271,335,000 $ 249,000 $ 127,000
Owen 461 $ 56,165,000 $ 121,000 $ 78,000
Owsley 48 $ 3,760,000 $ 78,000 $ 58,000
Pendleton 613 $ 79,755,000 $ 130,000 $ 78,000
Perry 491 $ 49,505,000 $ 100,000 $ 71,000
Pike 1,485 $ 170,775,000 $ 115,000 $ 80,000
Powell 473 $ 48,145,000 $ 101,000 $ 62,000
Pulaski 2,143 $ 262,385,000 $ 122,000 $ 75,000
Robertson 50 $ 3,960,000 $ 79,000 $ 63,000
Rockcastle 439 $ 42,995,000 $ 97,000 $ 56,000
Rowan 658 $ 96,210,000 $ 146,000 $ 81,000
Russell 539 $ 61,265,000 $ 113,000 $ 81,000
Scott 3,978 $ 781,770,000 $ 196,000 $ 93,000
Shelby 2,985 $ 594,495,000 $ 199,000 $ 95,000
Simpson 980 $ 131,730,000 $ 134,000 $ 66,000
Spencer 1,448 $ 280,000,000 $ 193,000 $ 87,000
Taylor 667 $ 75,345,000 $ 112,000 $ 66,000
Todd 280 $ 33,890,000 $ 121,000 $ 63,000
Trigg 626 $ 88,090,000 $ 140,000 $ 79,000
Trimble 420 $ 56,320,000 $ 134,000 $ 72,000
Union 319 $ 30,495,000 $ 95,000 $ 71,000
Warren 6,182 $ 1,118,510,000 $ 180,000 $ 91,000
Washington 351 $ 45,415,000 $ 129,000 $ 69,000
Wayne 603 $ 60,335,000 $ 100,000 $ 71,000
Webster 350 $ 33,810,000 $ 96,000 $ 79,000
Whitley 1,276 $ 129,930,000 $ 101,000 $ 62,000
Wolfe 170 $ 15,900,000 $ 93,000 $ 78,000
Woodford 1,383 $ 260,565,000 $ 188,000 $ 94,000

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