HMDA RESEARCH
Kentucky mortgage activity
Annual public HMDA data. Reported activity does not establish current availability, approval likelihood or licensing.
| Year | Loan type | Purpose | Applications | Originations | Purchased | Reported volume | Average amount |
|---|---|---|---|---|---|---|---|
| 2025 | Conventional | Purchase | 63,197 | 36,396 | 4,918 | $10,644,750,000 | $292,470 |
| 2025 | Conventional | Improvement | 15,892 | 9,011 | 144 | $903,105,000 | $100,223 |
| 2025 | Conventional | Other | 18,453 | 9,457 | 241 | $903,105,000 | $95,496 |
| 2025 | Conventional | Not applicable | 256 | 236 | 41 | $42,360,000 | $179,492 |
| 2025 | Conventional | Refinance | 18,940 | 12,619 | 927 | $3,306,925,000 | $262,059 |
| 2025 | Conventional | Cash-out refinance | 15,213 | 8,946 | 1,766 | $1,615,040,000 | $180,532 |
| 2025 | FHA | Purchase | 14,034 | 9,807 | 4,414 | $2,413,255,000 | $246,075 |
| 2025 | FHA | Improvement | 142 | 56 | 28 | $5,900,000 | $105,357 |
| 2025 | FHA | Other | 568 | 179 | 6 | $19,525,000 | $109,078 |
| 2025 | FHA | Not applicable | 29 | 16 | 172 | $25,440,000 | $1,590,000 |
| 2025 | FHA | Refinance | 3,882 | 1,720 | 292 | $572,890,000 | $333,076 |
| 2025 | FHA | Cash-out refinance | 6,897 | 2,793 | 711 | $546,175,000 | $195,551 |
| 2025 | VA | Purchase | 6,094 | 4,241 | 1,962 | $1,317,115,000 | $310,567 |
| 2025 | VA | Improvement | 15 | 8 | 9 | $2,330,000 | $291,250 |
| 2025 | VA | Other | 35 | 10 | 1 | $2,140,000 | $214,000 |
| 2025 | VA | Not applicable | 0 | 0 | 26 | Not available | Not available |
| 2025 | VA | Refinance | 4,172 | 2,367 | 200 | $724,055,000 | $305,896 |
| 2025 | VA | Cash-out refinance | 4,252 | 1,450 | 346 | $417,020,000 | $287,600 |
| 2025 | USDA | Purchase | 1,975 | 1,309 | 938 | $247,445,000 | $189,034 |
| 2025 | USDA | Other | 2 | 1 | 1 | $45,000 | $45,000 |
| 2025 | USDA | Not applicable | 9 | 5 | 24 | $845,000 | $169,000 |
| 2025 | USDA | Refinance | 90 | 26 | 8 | $5,220,000 | $200,769 |
| 2025 | USDA | Cash-out refinance | 2 | 0 | 0 | Not available | Not available |
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