Today's Kentucky (KY) Mortgage Rates

Kentucky (KY) Mortgage Rates & Mortgage Loan Data – Prior Year

Mortgage Actions Taken

Loan originated: 953,863
Application denied by financial institution: 396,968
Loan purchased by the institution: 293,754
Application withdrawn by applicant: 159,429
Application approved but not accepted: 90,759
File closed for incompleteness: 49,729
Preapproval request denied by financial institution: 263
Preapproval request approved but not accepted: 65

Purpose of Loans

Refinancing: 1,112,419
Home purchase: 701,792
Home improvement: 130,619

Mortgage Types

Conventional: 1,447,299
FHA-insured: 346,137
VA-guaranteed: 95,874
FSA/RHS-guaranteed: 55,520

Mortage Actions by Applicant Race

White: 1,530,884
Information not provided by applicant in mail, Internet, or telephone application: 155,938
Not applicable: 150,607
Black or African American: 79,512
Asian: 18,402
American Indian or Alaska Native: 6,472
Native Hawaiian or Other Pacific Islander: 3,015

Mortage Actions by Applicant Ethnicity

Not Hispanic or Latino: 1,600,661
Information not provided by applicant in mail, Internet, or telephone application: 167,618
Not applicable: 150,888
Hispanic or Latino: 25,663

Mortage Actions by Applicant Sex

Male: 1,198,966
Female: 500,943
Not applicable: 150,675
Information not provided by applicant in mail, Internet, or telephone application: 94,246

Mortage Actions by Agency Name

Department of Housing and Urban Development: 463,987
Consumer Financial Protection Bureau: 389,483
Office of the Comptroller of the Currency: 366,083
Federal Deposit Insurance Corporation: 333,676
Federal Reserve System: 224,824
Office of Thrift Supervision: 101,363
National Credit Union Administration: 65,414

Mortage Actions by County

Jefferson County: 402,326
Fayette County: 162,835
Kenton County: 96,617
Boone County: 83,281
Hardin County: 60,988
Campbell County: 52,639
Warren County: 52,633
Bullitt County: 47,991
Oldham County: 43,292
Daviess County: 42,539
Madison County: 36,568
Scott County: 33,246
Jessamine County: 26,134
McCracken County: 24,624
Nelson County: 24,015
Shelby County: 23,895
Christian County: 23,089
Laurel County: 21,663
Boyd County: 21,440
Pike County: 20,905
Franklin County: 20,504
Henderson County: 20,186
Pulaski County: 19,161
Clark County: 18,367
Greenup County: 17,235
Meade County: 16,428
Hopkins County: 16,043
Woodford County: 14,590
Grant County: 13,276
Montgomery County: 13,151
Barren County: 12,918
Spencer County: 12,449
Anderson County: 11,532
Calloway County: 11,401
Whitley County: 11,266
Unknown: 10,908
Floyd County: 10,757
Marshall County: 10,355
Graves County: 10,256
Muhlenberg County: 10,006
Mercer County: 9,929
Boyle County: 9,788
Logan County: 9,558
Grayson County: 9,260
Simpson County: 8,758
Knox County: 8,606
Bourbon County: 8,455
Allen County: 8,305
Garrard County: 7,958
Lincoln County: 7,922
Johnson County: 7,666
Henry County: 7,541
Marion County: 7,188
Harrison County: 7,154
Trigg County: 7,097
Larue County: 7,056
Letcher County: 6,931
Rowan County: 6,929
Pendleton County: 6,637
Breckinridge County: 6,351
Bell County: 6,326
Carter County: 6,305
Taylor County: 6,304
Hart County: 6,221
Wayne County: 6,137
Ohio County: 6,093
Harlan County: 5,786
Mason County: 5,699
Perry County: 5,614
Powell County: 5,413
Union County: 5,381
Edmonson County: 5,071
Russell County: 4,608
Trimble County: 4,312
Bracken County: 4,213
Fleming County: 4,158
Gallatin County: 4,126
Owen County: 4,119
Webster County: 4,103
Caldwell County: 4,081
Lawrence County: 3,989
Rockcastle County: 3,974
Estill County: 3,861
Green County: 3,824
Carroll County: 3,638
Clay County: 3,582
Butler County: 3,574
Washington County: 3,550
Hancock County: 3,298
Lewis County: 3,296
Adair County: 3,243
Bath County: 3,217
Lyon County: 3,058
Todd County: 3,044
McLean County: 3,031
McCreary County: 3,030
Livingston County: 2,971
Menifee County: 2,968
Knott County: 2,896
Casey County: 2,703

Mortage Actions by City

Unknown: 575,361
Louisville, Jefferson County – KY, IN: 574,139
Lexington, Fayette – KY: 263,105
Cincinnati, Middletown – OH, KY, IN: 218,474
Bowling Green – KY: 59,832
Elizabethtown – KY: 57,363
Owensboro – KY: 48,707
Cincinnati – OH, KY, IN: 42,171
Huntington, Ashland – WV, KY, OH: 38,646
Clarksville – TN, KY: 30,150
Evansville – IN, KY: 23,723
Elizabethtown, Fort Knox – KY: 13,159

Mortage Denial Reasons

Unknown: 1,681,015
Credit history: 94,465
Collateral: 55,114
Debt-to-income ratio: 48,368
Credit application incomplete: 24,967
Other: 23,994
Unverifiable information: 6,526
Insufficient cash (downpayment, closing costs): 6,290
Employment history: 3,669
Mortgage insurance denied: 422

HOEPA Status of Mortage Loans

Not a HOEPA loan: 1,943,993
HOEPA loan: 837

Lien Status of Mortage Loans

Secured by a first lien: 1,525,156
Not applicable: 293,754
Secured by a subordinate lien: 78,839
Not secured by a lien: 47,081

Owner Occupancy Status of Mortage Loans

Owner-occupied as a principal dwelling: 1,788,905
Not owner-occupied as a principal dwelling: 149,671
Not applicable: 6,254

Mortgages by Property Type

One-to-four family dwelling (other than manufactured housing): 1,821,317
Manufactured housing: 118,958
Multifamily dwelling: 4,555

Mortgages by Purchaser Type

Loan was not originated or was not sold in calendar year covered by register: 1,116,921
Freddie Mac (FHLMC): 188,313
Fannie Mae (FNMA): 178,767
Ginnie Mae (GNMA): 167,588
Commercial bank, savings bank or savings association: 93,292
Affiliate institution: 70,131
Other type of purchaser: 62,796
Life insurance company, credit union, mortgage bank, or finance company: 61,704
Private securitization: 5,311
Farmer Mac (FAMC): 7