Mortgage Approval and Denial Rates in Kentucky (2025 HMDA)
Mortgage denial rates in Kentucky: lenders acted on 172,496 mortgage applications in Kentucky in 2025 and denied 18.7% of them, down from 20.2% in 2024. The national denial rate was 17.7%.
Applications acted on
172,496
Loans originated
100,355
Denial rate
18.7%
Median loan
$155,000
Kentucky against the national picture
Most-reported denial reason in Kentucky: Credit history.
Counties ranked by denial rate
| County | Applications | Denial rate | Median loan |
|---|---|---|---|
| Leslie County | 192 | 49.0% | $95,000 |
| Martin County | 261 | 47.9% | $95,000 |
| Magoffin County | 263 | 46.8% | $115,000 |
| Breathitt County | 289 | 45.7% | $95,000 |
| Clay County | 491 | 43.0% | $115,000 |
| Knott County | 317 | 42.0% | $125,000 |
| Lawrence County | 512 | 41.2% | $125,000 |
| Bell County | 648 | 40.0% | $125,000 |
| Perry County | 539 | 38.4% | $115,000 |
| Floyd County | 1,008 | 38.3% | $105,000 |
| Harlan County | 513 | 37.2% | $95,000 |
| Lee County | 178 | 36.5% | $115,000 |
| Pike County | 1,451 | 36.1% | $115,000 |
| Knox County | 867 | 34.8% | $125,000 |
| Letcher County | 341 | 33.1% | $95,000 |
| Elliott County | 103 | 32.0% | $105,000 |
| Jackson County | 361 | 31.9% | $125,000 |
| Whitley County | 1,326 | 31.7% | $125,000 |
| Cumberland County | 125 | 31.2% | $155,000 |
| Estill County | 423 | 31.0% | $135,000 |
| Johnson County | 686 | 30.3% | $125,000 |
| Nicholas County | 292 | 30.1% | $115,000 |
| Morgan County | 204 | 29.9% | $125,000 |
| Laurel County | 2,541 | 29.2% | $135,000 |
| Clinton County | 179 | 29.1% | $135,000 |
| Gallatin County | 437 | 28.8% | $135,000 |
| Wolfe County | 224 | 28.6% | $135,000 |
| Rowan County | 706 | 28.5% | $135,000 |
| Rockcastle County | 544 | 28.1% | $115,000 |
| Lewis County | 416 | 27.4% | $125,000 |
| Casey County | 352 | 27.3% | $115,000 |
| Fulton County | 118 | 27.1% | $95,000 |
| Adair County | 335 | 26.9% | $125,000 |
| Grant County | 1,411 | 26.3% | $155,000 |
| Bath County | 385 | 26.0% | $125,000 |
| Bracken County | 351 | 25.9% | $115,000 |
| McCreary County | 516 | 25.6% | $115,000 |
| Carroll County | 415 | 25.5% | $125,000 |
| Monroe County | 321 | 25.5% | $105,000 |
| Russell County | 579 | 25.4% | $145,000 |
| Taylor County | 601 | 24.8% | $145,000 |
| Fleming County | 582 | 24.7% | $125,000 |
| Greenup County | 1,430 | 23.6% | $115,000 |
| Pendleton County | 678 | 23.6% | $145,000 |
| Menifee County | 275 | 23.6% | $115,000 |
| Powell County | 528 | 23.5% | $135,000 |
| Lincoln County | 903 | 23.3% | $135,000 |
| Carter County | 876 | 23.3% | $115,000 |
| Webster County | 349 | 23.2% | $115,000 |
| Metcalfe County | 334 | 23.1% | $125,000 |
| Owen County | 592 | 23.0% | $145,000 |
| Washington County | 363 | 22.9% | $155,000 |
| Ballard County | 253 | 22.9% | $125,000 |
| Bourbon County | 800 | 22.8% | $150,000 |
| Union County | 282 | 22.7% | $105,000 |
| Ohio County | 783 | 22.5% | $135,000 |
| McLean County | 285 | 22.5% | $105,000 |
| Henry County | 701 | 22.4% | $165,000 |
| Carlisle County | 152 | 22.4% | $115,000 |
| Wayne County | 488 | 22.3% | $125,000 |
| Boyd County | 1,725 | 22.0% | $125,000 |
| Pulaski County | 2,292 | 21.9% | $145,000 |
| Mercer County | 1,119 | 21.4% | $155,000 |
| Mason County | 538 | 21.4% | $125,000 |
| Hopkins County | 1,707 | 21.3% | $125,000 |
| Marshall County | 1,261 | 21.2% | $155,000 |
| Lyon County | 265 | 21.1% | $145,000 |
| Muhlenberg County | 1,000 | 20.9% | $115,000 |
| Harrison County | 749 | 20.8% | $155,000 |
| Trigg County | 649 | 20.8% | $165,000 |
| Breckinridge County | 725 | 20.4% | $135,000 |
| Hancock County | 369 | 20.1% | $145,000 |
| Livingston County | 299 | 20.1% | $125,000 |
| Caldwell County | 385 | 20.0% | $125,000 |
| Trimble County | 350 | 19.7% | $145,000 |
| Marion County | 474 | 19.6% | $140,000 |
| Graves County | 1,042 | 19.2% | $135,000 |
| Montgomery County | 1,144 | 19.0% | $145,000 |
| Boyle County | 1,101 | 18.6% | $165,000 |
| Barren County | 1,742 | 18.4% | $145,000 |
| Meade County | 1,535 | 18.3% | $185,000 |
| Grayson County | 1,068 | 18.3% | $145,000 |
| Calloway County | 982 | 18.3% | $155,000 |
| Hart County | 798 | 18.3% | $125,000 |
| Green County | 301 | 18.3% | $115,000 |
| Henderson County | 1,597 | 18.2% | $125,000 |
| Garrard County | 843 | 18.1% | $165,000 |
| Anderson County | 1,177 | 17.5% | $175,000 |
| Allen County | 904 | 17.5% | $165,000 |
| Boone County | 7,068 | 17.4% | $185,000 |
| Franklin County | 2,352 | 17.4% | $165,000 |
| Todd County | 381 | 17.3% | $165,000 |
| Bullitt County | 4,196 | 17.2% | $185,000 |
| McCracken County | 2,338 | 17.2% | $145,000 |
| Edmonson County | 599 | 17.2% | $155,000 |
| Madison County | 4,122 | 16.7% | $185,000 |
| Christian County | 2,348 | 16.7% | $175,000 |
| Crittenden County | 229 | 16.6% | $105,000 |
| Woodford County | 1,119 | 16.5% | $195,000 |
| Shelby County | 2,242 | 16.2% | $205,000 |
| Logan County | 1,027 | 16.1% | $165,000 |
| Butler County | 393 | 16.0% | $145,000 |
| Clark County | 1,559 | 15.7% | $175,000 |
| Jefferson County | 31,251 | 15.6% | $175,000 |
| Kenton County | 8,259 | 15.5% | $175,000 |
| Scott County | 3,184 | 15.5% | $215,000 |
| Hardin County | 5,211 | 15.3% | $205,000 |
| Daviess County | 3,489 | 15.0% | $145,000 |
| Campbell County | 4,277 | 14.9% | $175,000 |
| Jessamine County | 2,419 | 14.7% | $205,000 |
| Spencer County | 1,000 | 14.6% | $225,000 |
| Simpson County | 962 | 14.2% | $185,000 |
| Fayette County | 10,985 | 13.7% | $205,000 |
| Nelson County | 2,030 | 13.5% | $185,000 |
| Larue County | 603 | 13.3% | $165,000 |
| Warren County | 4,789 | 12.8% | $205,000 |
| Oldham County | 3,200 | 11.3% | $265,000 |
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Reading these numbers
The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.
Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.