University Of Kentucky
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
University Of Kentucky 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | University Of Kentucky 1730 Alysheba Way Lexington, KY 40509 Tel #: available with data download |
| Federal Regulator | * available with data download |
| 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 | 2,132 |
| Total Mortgage Loan Application Amount | $189,910,000 |
| Average Mortgage Loan Application Amount | $106,000 |
| Highest Mortgage Loan Application Amount | $2,895,000 |
| Average Applicant Income | $149,200 |
| Highest Applicant Income | $1,344,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with University Of Kentucky. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing University Of Kentucky's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down University Of Kentucky's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how University Of Kentucky serves its applicants.
Each category highlights the total number of mortgage applications processed by University Of Kentucky, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at University Of Kentucky's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayette County Kentucky | 1,173 | $ 112,025,000 | $ 95,000 | $ 125,000 |
| Jefferson County Kentucky | 201 | $ 17,255,000 | $ 85,000 | $ 160,000 |
| Jessamine County Kentucky | 136 | $ 14,010,000 | $ 103,000 | $ 155,000 |
| Scott County Kentucky | 100 | $ 7,100,000 | $ 71,000 | $ 143,000 |
| Madison County Kentucky | 86 | $ 5,710,000 | $ 66,000 | $ 106,000 |
| Woodford County Kentucky | 61 | $ 5,265,000 | $ 86,000 | $ 114,000 |
| Oldham County Kentucky | 48 | $ 5,680,000 | $ 118,000 | $ 157,000 |
| Clark County Kentucky | 44 | $ 2,380,000 | $ 54,000 | $ 115,000 |
| Bullitt County Kentucky | 25 | $ 2,055,000 | $ 82,000 | $ 115,000 |
| Franklin County Kentucky | 25 | $ 1,675,000 | $ 67,000 | $ 86,000 |
| Mercer County Kentucky | 17 | $ 1,095,000 | $ 64,000 | $ 111,000 |
| Bourbon County Kentucky | 14 | $ 570,000 | $ 40,000 | $ 135,000 |
| Shelby County Kentucky | 14 | $ 1,070,000 | $ 76,000 | $ 147,000 |
| Boone County Kentucky | 13 | $ 625,000 | $ 48,000 | $ 116,000 |
| Garrard County Kentucky | 13 | $ 1,285,000 | $ 98,000 | $ 92,000 |
| Montgomery County Kentucky | 12 | $ 650,000 | $ 54,000 | $ 144,000 |
| Powell County Kentucky | 12 | $ 860,000 | $ 71,000 | $ 136,000 |
| Anderson County Kentucky | 11 | $ 765,000 | $ 69,000 | $ 114,000 |
| Boyle County Kentucky | 10 | $ 1,540,000 | $ 154,000 | $ 147,000 |
| Harrison County Kentucky | 10 | $ 490,000 | $ 49,000 | $ 63,000 |
| Pulaski County Kentucky | 9 | $ 365,000 | $ 40,000 | $ 163,000 |
| Spencer County Kentucky | 9 | $ 425,000 | $ 47,000 | $ 92,000 |
| Lincoln County Kentucky | 6 | $ 310,000 | $ 51,000 | $ 89,000 |
| Marion County Kentucky | 6 | $ 500,000 | $ 83,000 | $ 179,000 |
| Rowan County Kentucky | 6 | $ 330,000 | $ 55,000 | $ 74,000 |
| Campbell County Kentucky | 5 | $ 1,005,000 | $ 201,000 | $ 174,000 |
| Hardin County Kentucky | 4 | $ 410,000 | $ 102,000 | $ 128,000 |
| Kenton County Kentucky | 4 | $ 100,000 | $ 25,000 | $ 78,000 |
| Laurel County Kentucky | 4 | $ 130,000 | $ 32,000 | $ 21,000 |
| Mason County Kentucky | 4 | $ 320,000 | $ 80,000 | $ 174,000 |
| Nicholas County Kentucky | 3 | $ 105,000 | $ 35,000 | $ 36,000 |
| Perry County Kentucky | 3 | $ 55,000 | $ 18,000 | $ 50,000 |
| Clay County Kentucky | 2 | $ 90,000 | $ 45,000 | $ 65,000 |
| Daviess County Kentucky | 2 | $ 90,000 | $ 45,000 | $ 106,000 |
| Estill County Kentucky | 2 | $ 250,000 | $ 125,000 | $ 80,000 |
| Floyd County Kentucky | 2 | $ 90,000 | $ 45,000 | $ 75,000 |
| Letcher County Kentucky | 2 | $ 100,000 | $ 50,000 | $ 64,000 |
| Menifee County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 101,000 |
| Pike County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 96,000 |
| Taylor County Kentucky | 2 | $ 70,000 | $ 35,000 | $ 89,000 |
| Warren County Kentucky | 2 | $ 120,000 | $ 60,000 | $ 108,000 |
| Marion County Indiana | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Bath County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 95,000 |
| Boyd County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Breathitt County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Carroll County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Carter County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Casey County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 312,000 |
| Fleming County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Larue County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Logan County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Meade County Kentucky | 1 | $ 5,000 | $ 5,000 | $ 245,000 |
| Nelson County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Owen County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Russell County Kentucky | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Whitley County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 143,000 |
| Wolfe County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 0 |
Mortgage Loan Application Detail Totals for University Of 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 Improvement | 945 | $68,355,000 | $72,000 | $755,000 | $119,000 | $1,315,000 |
| Other Purpose | 455 | $32,335,000 | $71,000 | $755,000 | $112,000 | $1,344,000 |
| Refinancing | 450 | $50,770,000 | $112,000 | $885,000 | $140,000 | $880,000 |
| Home Purchase | 191 | $25,375,000 | $132,000 | $2,895,000 | $174,000 | $1,136,000 |
| Cash-out Refinancing | 91 | $13,075,000 | $143,000 | $875,000 | $201,000 | $875,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,795 | $153,575,000 | $85,000 | $875,000 | $133,000 | $1,344,000 |
| Black or African American | 107 | $5,535,000 | $51,000 | $205,000 | $82,000 | $491,000 |
| Not Provided | 83 | $7,025,000 | $84,000 | $755,000 | $123,000 | $420,000 |
| Not applicable | 48 | $14,130,000 | $294,000 | $2,895,000 | $0 | $0 |
| Asian | 23 | $1,855,000 | $80,000 | $295,000 | $107,000 | $450,000 |
| Hispanic | 22 | $1,950,000 | $88,000 | $325,000 | $140,000 | $292,000 |
| American Indian or Alaskan Native | 3 | $265,000 | $88,000 | $125,000 | $49,000 | $53,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $281,000 | $281,000 |
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) | 2,132 | $189,910,000 | $89,000 | $2,895,000 | $129,000 | $1,344,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,641 | $148,465,000 | $90,000 | $2,895,000 | $133,000 | $1,344,000 |
| Application Withdrawn By Applicant | 216 | $18,580,000 | $86,000 | $885,000 | $0 | $0 |
| Application Denied By Financial Institution | 129 | $9,205,000 | $71,000 | $485,000 | $78,000 | $491,000 |
| File Closed For Incompleteness | 108 | $11,160,000 | $103,000 | $755,000 | $0 | $0 |
| Application Approved But Not Accepted | 38 | $2,500,000 | $65,000 | $375,000 | $100,000 | $170,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,003 | $180,705,000 | $90,000 | $2,895,000 | $133,000 | $1,344,000 |
| Debt-To-Income Ratio | 88 | $6,520,000 | $74,000 | $405,000 | $68,000 | $258,000 |
| Credit History | 23 | $1,025,000 | $44,000 | $105,000 | $92,000 | $491,000 |
| Collateral | 9 | $1,305,000 | $145,000 | $485,000 | $168,000 | $350,000 |
| Employment History | 6 | $220,000 | $36,000 | $65,000 | $41,000 | $61,000 |
| Credit Application Incomplete | 2 | $130,000 | $65,000 | $125,000 | $0 | $0 |
| Unverifiable Information | 1 | $5,000 | $5,000 | $5,000 | $22,000 | $22,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into University Of Kentucky's 2019 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess University Of Kentucky's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Kentucky, download the full spreadsheet
with aggregated HMDA statistics today.