Kentucky
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Discover comprehensive Kentucky mortgage statistics and HMDA loan application data from 2003 to 2023.
Explore detailed insights into the total number of mortgage applications, loan amounts, and lending trends across the state.
Our interactive lists allow you to analyze mortgage data by county and metropolitan area, helping you track regional lending patterns.

Need in-depth lender data?
Easily download a formatted spreadsheet containing 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 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 154,709
Total Mortgage Loan Application Amount $28,773,185,000
Average Mortgage Loan Application Amount $185,000
Highest Mortgage Loan Application Amount $45,025,000
Average Applicant Income $104,000
Highest Applicant Income $9,118,000

Explore comprehensive HMDA mortgage statistics and application trends for 2023 in Kentucky. Below, you'll find key insights, including total mortgage applications, average loan amounts, highest application amounts, and the income levels of top applicants. If you're researching mortgage and loan application data in Kentucky, these statistics will help you understand market trends and lending patterns as you navigate the mortgage process.

Our HMDA dataset allows you to analyze mortgage loan applications for 2023 across various categories, including loan purpose, applicant race, loan type, application outcomes, and reasons for denial. These detailed breakdowns provide valuable insights into borrower demographics and lender activity, making them an essential resource for homebuyers, real estate professionals, and industry analysts.

Each category highlights the total number of mortgage applications, total loan amounts, average mortgage sizes, and the highest loan amounts within each segment. You can also explore borrower income data, including average applicant income and the highest reported incomes for mortgage applicants. Whether you're evaluating lender performance, researching loan approval trends, or comparing mortgage options, this HMDA-backed data offers a valuable snapshot of the mortgage landscape in Kentucky.

Download the Kentucky Lender List

Mortgage Loan Application Detail Totals for Kentucky in 2023

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 88,377 $19,683,185,000 $222,000 $42,255,000 $102,000 $9,118,000
Cash-out Refinancing 20,155 $3,572,725,000 $177,000 $24,645,000 $91,000 $8,273,000
Other Purpose 16,617 $1,365,415,000 $82,000 $3,605,000 $108,000 $7,349,000
Home Improvement 15,094 $1,170,540,000 $77,000 $9,205,000 $112,000 $8,273,000
Refinancing 13,912 $2,919,880,000 $209,000 $45,025,000 $121,000 $8,273,000
Not Applicable 554 $61,440,000 $110,000 $1,945,000 $50,000 $126,000

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 109,421 $17,914,145,000 $163,000 $3,855,000 $105,000 $9,118,000
Not applicable 14,564 $5,231,620,000 $359,000 $45,025,000 $117,000 $1,575,000
Not Provided 13,887 $2,588,725,000 $186,000 $3,605,000 $109,000 $6,736,000
Black or African American 7,787 $1,296,225,000 $166,000 $3,005,000 $90,000 $8,333,000
Hispanic 5,184 $848,520,000 $163,000 $2,355,000 $84,000 $2,281,000
Asian 2,440 $620,590,000 $254,000 $1,705,000 $135,000 $4,011,000
American Indian or Alaskan Native 820 $121,040,000 $147,000 $945,000 $85,000 $761,000
Native Hawaiian or Other Pacific Islander 107 $21,935,000 $205,000 $2,805,000 $86,000 $398,000

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) 115,943 $20,360,315,000 $175,000 $45,025,000 $111,000 $9,118,000
FHA-insured (Federal Housing Administration) 24,406 $4,875,030,000 $199,000 $45,005,000 $76,000 $6,060,000
VA-guaranteed (Veterans Administration) 11,810 $3,116,220,000 $263,000 $1,735,000 $95,000 $7,190,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 2,550 $421,620,000 $165,000 $1,005,000 $65,000 $149,000

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 82,249 $16,618,265,000 $202,000 $45,025,000 $115,000 $9,118,000
Application Denied By Financial Institution 29,060 $3,722,160,000 $128,000 $45,005,000 $77,000 $5,860,000
Application Withdrawn By Applicant 18,753 $3,830,625,000 $204,000 $28,005,000 $107,000 $8,273,000
Loan Purchased By The Institution 11,598 $2,713,190,000 $233,000 $2,995,000 $117,000 $1,575,000
File Closed For Incompleteness 9,056 $1,225,700,000 $135,000 $1,805,000 $85,000 $8,273,000
Application Approved But Not Accepted 3,900 $645,830,000 $165,000 $26,405,000 $100,000 $8,273,000
Preapproval Approved but not Accepted 57 $11,425,000 $200,000 $725,000 $87,000 $266,000
Preapproval Denied by Financial Institution 36 $5,990,000 $166,000 $1,085,000 $65,000 $160,000

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 119,717 $23,898,985,000 $199,000 $45,025,000 $110,000 $9,118,000
Debt-To-Income Ratio 13,147 $2,189,955,000 $166,000 $33,445,000 $86,000 $6,605,000
Credit History 11,940 $1,192,780,000 $99,000 $1,005,000 $76,000 $5,860,000
Collateral 3,336 $437,420,000 $131,000 $2,595,000 $96,000 $1,800,000
Credit Application Incomplete 2,156 $377,930,000 $175,000 $45,005,000 $101,000 $3,948,000
Unverifiable Information 1,721 $227,835,000 $132,000 $1,205,000 $75,000 $1,360,000
Other 1,684 $284,160,000 $168,000 $30,005,000 $101,000 $1,800,000
Insufficient Cash (Downpayment, Closing Cost) 597 $102,625,000 $171,000 $1,765,000 $78,000 $756,000
Employment History 407 $60,575,000 $148,000 $755,000 $73,000 $1,810,000
Mortgage Insurance Denied 4 $920,000 $230,000 $385,000 $85,000 $148,000
Download the Kentucky Lender List

Mortgage Loan Application Totals in 2023 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 6,240 $ 1,325,850,000 $ 212,000 $ 109,000
ELIZABETHTOWN-FORT KNOX, KY 6,641 $ 1,370,335,000 $ 206,000 $ 109,000
LEXINGTON-FAYETTE, KY 17,553 $ 4,059,345,000 $ 231,000 $ 128,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 37,938 $ 8,315,350,000 $ 219,000 $ 118,000
OWENSBORO, KY 4,053 $ 625,275,000 $ 154,000 $ 94,000
Download the Kentucky Lender List

Mortgage Loan Application Totals in 2023 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 330 $ 45,240,000 $ 137,000 $ 71,000
Allen 837 $ 135,355,000 $ 161,000 $ 84,000
Anderson 994 $ 170,920,000 $ 171,000 $ 93,000
Ballard 182 $ 24,840,000 $ 136,000 $ 80,000
Barren 1,641 $ 250,105,000 $ 152,000 $ 90,000
Bath 369 $ 44,695,000 $ 121,000 $ 73,000
Bell 677 $ 75,895,000 $ 112,000 $ 65,000
Boone 6,186 $ 1,330,730,000 $ 215,000 $ 116,000
Bourbon 697 $ 126,845,000 $ 181,000 $ 101,000
Boyd 1,576 $ 189,860,000 $ 120,000 $ 86,000
Boyle 918 $ 167,470,000 $ 182,000 $ 99,000
Bracken 277 $ 33,975,000 $ 122,000 $ 82,000
Breathitt 244 $ 24,070,000 $ 98,000 $ 66,000
Breckinridge 741 $ 113,485,000 $ 153,000 $ 92,000
Bullitt 4,136 $ 774,010,000 $ 187,000 $ 96,000
Butler 329 $ 49,515,000 $ 150,000 $ 81,000
Caldwell 375 $ 50,635,000 $ 135,000 $ 80,000
Calloway 853 $ 139,505,000 $ 163,000 $ 85,000
Campbell 4,022 $ 807,900,000 $ 200,000 $ 119,000
Carlisle 70 $ 9,290,000 $ 132,000 $ 76,000
Carroll 377 $ 52,265,000 $ 138,000 $ 95,000
Carter 782 $ 95,000,000 $ 121,000 $ 78,000
Casey 276 $ 38,310,000 $ 138,000 $ 85,000
Christian 2,171 $ 411,735,000 $ 189,000 $ 95,000
Clark 1,412 $ 247,550,000 $ 175,000 $ 90,000
Clay 495 $ 58,205,000 $ 117,000 $ 64,000
Clinton 164 $ 21,740,000 $ 132,000 $ 76,000
Crittenden 208 $ 27,560,000 $ 132,000 $ 78,000
Cumberland 120 $ 17,810,000 $ 148,000 $ 80,000
Daviess 3,454 $ 545,170,000 $ 157,000 $ 96,000
Edmonson 565 $ 90,545,000 $ 160,000 $ 107,000
Elliott 123 $ 17,425,000 $ 141,000 $ 86,000
Estill 367 $ 49,255,000 $ 134,000 $ 84,000
Fayette 9,794 $ 2,378,470,000 $ 242,000 $ 134,000
Fleming 525 $ 66,325,000 $ 126,000 $ 80,000
Floyd 872 $ 96,910,000 $ 111,000 $ 77,000
Franklin 1,920 $ 304,680,000 $ 158,000 $ 99,000
Fulton 106 $ 9,540,000 $ 90,000 $ 55,000
Gallatin 431 $ 60,615,000 $ 140,000 $ 81,000
Garrard 716 $ 118,030,000 $ 164,000 $ 93,000
Grant 1,122 $ 192,370,000 $ 171,000 $ 99,000
Graves 947 $ 124,745,000 $ 131,000 $ 81,000
Grayson 946 $ 150,320,000 $ 158,000 $ 93,000
Green 291 $ 38,245,000 $ 131,000 $ 86,000
Greenup 1,296 $ 158,150,000 $ 122,000 $ 88,000
Hancock 319 $ 44,945,000 $ 140,000 $ 82,000
Hardin 4,732 $ 1,036,770,000 $ 219,000 $ 105,000
Harlan 577 $ 55,095,000 $ 95,000 $ 67,000
Harrison 747 $ 118,615,000 $ 158,000 $ 87,000
Hart 692 $ 96,810,000 $ 139,000 $ 96,000
Henderson 1,374 $ 184,020,000 $ 133,000 $ 90,000
Henry 621 $ 99,215,000 $ 159,000 $ 91,000
Hickman 85 $ 10,745,000 $ 126,000 $ 63,000
Hopkins 1,732 $ 212,740,000 $ 122,000 $ 81,000
Jackson 393 $ 51,935,000 $ 132,000 $ 71,000
Jefferson 27,467 $ 5,994,425,000 $ 218,000 $ 116,000
Jessamine 1,912 $ 522,280,000 $ 273,000 $ 157,000
Johnson 592 $ 75,240,000 $ 127,000 $ 85,000
Kenton 7,646 $ 1,526,520,000 $ 199,000 $ 116,000
Knott 313 $ 36,705,000 $ 117,000 $ 69,000
Knox 932 $ 108,350,000 $ 116,000 $ 69,000
Larue 536 $ 83,310,000 $ 155,000 $ 187,000
Laurel 2,278 $ 308,680,000 $ 135,000 $ 74,000
Lawrence 434 $ 53,470,000 $ 123,000 $ 79,000
Lee 197 $ 21,715,000 $ 110,000 $ 70,000
Leslie 174 $ 19,030,000 $ 109,000 $ 67,000
Letcher 471 $ 47,285,000 $ 100,000 $ 69,000
Lewis 365 $ 37,525,000 $ 102,000 $ 78,000
Lincoln 808 $ 106,090,000 $ 131,000 $ 70,000
Livingston 241 $ 32,405,000 $ 134,000 $ 73,000
Logan 894 $ 145,400,000 $ 162,000 $ 87,000
Lyon 258 $ 50,450,000 $ 195,000 $ 131,000
Madison 3,485 $ 688,215,000 $ 197,000 $ 102,000
Magoffin 216 $ 22,800,000 $ 105,000 $ 71,000
Marion 447 $ 68,645,000 $ 153,000 $ 78,000
Marshall 957 $ 148,605,000 $ 155,000 $ 91,000
Martin 207 $ 23,705,000 $ 114,000 $ 89,000
Mason 425 $ 54,045,000 $ 127,000 $ 86,000
McCracken 2,021 $ 320,455,000 $ 158,000 $ 94,000
McCreary 381 $ 48,875,000 $ 128,000 $ 65,000
McLean 280 $ 35,160,000 $ 125,000 $ 82,000
Meade 1,373 $ 250,255,000 $ 182,000 $ 95,000
Menifee 241 $ 29,405,000 $ 122,000 $ 81,000
Mercer 1,056 $ 176,910,000 $ 167,000 $ 106,000
Metcalfe 255 $ 32,335,000 $ 126,000 $ 72,000
Monroe 254 $ 29,930,000 $ 117,000 $ 67,000
Montgomery 1,045 $ 151,725,000 $ 145,000 $ 84,000
Morgan 201 $ 27,225,000 $ 135,000 $ 79,000
Muhlenberg 842 $ 97,530,000 $ 115,000 $ 74,000
Nelson 1,775 $ 319,375,000 $ 179,000 $ 96,000
Nicholas 233 $ 31,555,000 $ 135,000 $ 94,000
Ohio 669 $ 94,905,000 $ 141,000 $ 76,000
Oldham 2,765 $ 776,185,000 $ 280,000 $ 164,000
Owen 459 $ 63,375,000 $ 138,000 $ 90,000
Owsley 66 $ 8,410,000 $ 127,000 $ 63,000
Pendleton 580 $ 87,690,000 $ 151,000 $ 87,000
Perry 458 $ 54,260,000 $ 118,000 $ 88,000
Pike 1,331 $ 160,795,000 $ 120,000 $ 86,000
Powell 513 $ 72,245,000 $ 140,000 $ 77,000
Pulaski 2,065 $ 318,905,000 $ 154,000 $ 86,000
Robertson 82 $ 9,830,000 $ 119,000 $ 82,000
Rockcastle 499 $ 61,595,000 $ 123,000 $ 68,000
Rowan 570 $ 86,710,000 $ 152,000 $ 86,000
Russell 484 $ 75,820,000 $ 156,000 $ 91,000
Scott 2,767 $ 547,935,000 $ 198,000 $ 109,000
Shelby 2,058 $ 476,400,000 $ 231,000 $ 128,000
Simpson 919 $ 157,475,000 $ 171,000 $ 84,000
Spencer 891 $ 195,115,000 $ 218,000 $ 113,000
Taylor 543 $ 75,565,000 $ 139,000 $ 97,000
Todd 348 $ 60,640,000 $ 174,000 $ 94,000
Trigg 561 $ 99,485,000 $ 177,000 $ 97,000
Trimble 337 $ 46,295,000 $ 137,000 $ 101,000
Union 264 $ 33,590,000 $ 127,000 $ 87,000
Warren 4,509 $ 1,050,435,000 $ 232,000 $ 117,000
Washington 311 $ 48,855,000 $ 157,000 $ 86,000
Wayne 473 $ 63,285,000 $ 133,000 $ 79,000
Webster 331 $ 41,455,000 $ 125,000 $ 88,000
Whitley 1,279 $ 166,315,000 $ 130,000 $ 83,000
Wolfe 188 $ 31,520,000 $ 167,000 $ 90,000
Woodford 971 $ 236,265,000 $ 243,000 $ 135,000

Our comprehensive HMDA mortgage statistics offer invaluable insights into Kentucky's 2023 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.

Download the Kentucky Lender List