Mortgage lenders in Kentucky, county by county
100,355 mortgages were made in Kentucky in 2025, across 120 counties. Each county page lists every lender that lent there, ranked by how many loans it made, with the median rate its borrowers got and how often it said no.
| County | Lenders | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|---|
| Jefferson County | 469 | 19,415 | 6.625% | $195,000 | 19.4% |
| Fayette County | 382 | 7,013 | 6.750% | $215,000 | 17.0% |
| Kenton County | 311 | 5,218 | 6.750% | $195,000 | 19.1% |
| Boone County | 286 | 4,300 | 6.750% | $215,000 | 21.3% |
| Warren County | 275 | 3,141 | 6.625% | $215,000 | 15.6% |
| Hardin County | 219 | 3,136 | 6.500% | $215,000 | 19.4% |
| Campbell County | 267 | 2,761 | 6.720% | $195,000 | 18.2% |
| Bullitt County | 236 | 2,601 | 6.625% | $205,000 | 20.9% |
| Madison County | 263 | 2,442 | 6.625% | $215,000 | 20.9% |
| Daviess County | 195 | 2,345 | 6.750% | $155,000 | 17.7% |
| Oldham County | 238 | 2,114 | 6.625% | $275,000 | 14.1% |
| Scott County | 227 | 2,004 | 6.625% | $235,000 | 19.1% |
| Jessamine County | 206 | 1,545 | 6.625% | $215,000 | 18.0% |
| Shelby County | 203 | 1,407 | 6.625% | $215,000 | 20.0% |
| Christian County | 182 | 1,363 | 6.500% | $185,000 | 21.2% |
| McCracken County | 176 | 1,354 | 6.625% | $165,000 | 21.8% |
| Franklin County | 204 | 1,353 | 6.750% | $175,000 | 22.4% |
| Nelson County | 184 | 1,306 | 6.625% | $195,000 | 16.7% |
| Pulaski County | 181 | 1,242 | 6.750% | $155,000 | 27.9% |
| Barren County | 160 | 1,075 | 6.750% | $145,000 | 22.4% |
| Laurel County | 162 | 1,050 | 6.875% | $155,000 | 39.0% |
| Henderson County | 134 | 983 | 6.750% | $135,000 | 22.0% |
| Clark County | 168 | 935 | 6.625% | $185,000 | 19.9% |
| Hopkins County | 146 | 935 | 6.750% | $125,000 | 26.9% |
| Boyd County | 150 | 910 | 6.625% | $125,000 | 27.9% |
| Meade County | 155 | 882 | 6.625% | $195,000 | 23.2% |
| Greenup County | 138 | 725 | 6.625% | $125,000 | 29.7% |
| Marshall County | 140 | 707 | 6.625% | $165,000 | 25.8% |
| Woodford County | 163 | 693 | 6.625% | $205,000 | 20.5% |
| Anderson County | 162 | 686 | 6.750% | $195,000 | 22.3% |
| Grant County | 155 | 671 | 6.750% | $195,000 | 33.3% |
| Boyle County | 169 | 650 | 6.625% | $175,000 | 23.0% |
| Montgomery County | 150 | 648 | 6.750% | $155,000 | 24.3% |
| Spencer County | 154 | 647 | 6.750% | $225,000 | 17.7% |
| Simpson County | 145 | 635 | 6.500% | $195,000 | 17.0% |
| Graves County | 131 | 631 | 6.625% | $145,000 | 23.2% |
| Mercer County | 164 | 625 | 6.500% | $165,000 | 26.9% |
| Logan County | 154 | 615 | 6.625% | $175,000 | 20.3% |
| Grayson County | 140 | 614 | 6.990% | $155,000 | 23.1% |
| Calloway County | 137 | 581 | 6.750% | $175,000 | 22.3% |
| Whitley County | 127 | 547 | 6.750% | $125,000 | 41.3% |
| Pike County | 106 | 546 | 6.750% | $125,000 | 46.4% |
| Allen County | 140 | 537 | 6.625% | $175,000 | 21.8% |
| Muhlenberg County | 125 | 531 | 6.750% | $115,000 | 26.6% |
| Garrard County | 130 | 497 | 6.625% | $175,000 | 22.7% |
| Hart County | 99 | 494 | 6.875% | $125,000 | 21.9% |
| Lincoln County | 123 | 465 | 6.750% | $145,000 | 29.8% |
| Bourbon County | 139 | 438 | 6.750% | $175,000 | 28.1% |
| Carter County | 100 | 431 | 6.711% | $125,000 | 30.0% |
| Larue County | 97 | 404 | 6.750% | $165,000 | 16.1% |
| Harrison County | 136 | 399 | 6.624% | $175,000 | 26.8% |
| Ohio County | 115 | 398 | 6.750% | $145,000 | 29.0% |
| Breckinridge County | 127 | 390 | 6.875% | $145,000 | 26.5% |
| Henry County | 125 | 380 | 6.625% | $185,000 | 28.0% |
| Edmonson County | 119 | 375 | 6.750% | $175,000 | 20.5% |
| Pendleton County | 116 | 367 | 6.625% | $165,000 | 29.6% |
| Trigg County | 131 | 348 | 6.625% | $185,000 | 26.4% |
| Floyd County | 91 | 332 | 6.875% | $105,000 | 51.0% |
| Owen County | 112 | 328 | 6.750% | $160,000 | 28.0% |
| Rowan County | 126 | 328 | 6.625% | $155,000 | 36.3% |
| Fleming County | 97 | 320 | 6.875% | $135,000 | 30.2% |
| Taylor County | 104 | 320 | 6.625% | $165,000 | 30.6% |
| Knox County | 101 | 313 | 6.750% | $135,000 | 46.6% |
| Mason County | 116 | 296 | 6.750% | $135,000 | 27.0% |
| Russell County | 117 | 292 | 6.750% | $155,000 | 32.6% |
| Johnson County | 104 | 287 | 6.700% | $135,000 | 39.5% |
| Powell County | 99 | 265 | 6.625% | $155,000 | 30.5% |
| Wayne County | 103 | 263 | 6.800% | $135,000 | 28.2% |
| Marion County | 87 | 261 | 6.750% | $165,000 | 24.9% |
| Caldwell County | 90 | 246 | 6.750% | $125,000 | 23.4% |
| Rockcastle County | 91 | 246 | 6.875% | $125,000 | 37.1% |
| McCreary County | 88 | 244 | 6.500% | $105,000 | 33.6% |
| Butler County | 82 | 234 | 6.750% | $145,000 | 20.0% |
| Trimble County | 87 | 224 | 6.625% | $150,000 | 22.7% |
| Carroll County | 100 | 217 | 6.750% | $145,000 | 31.2% |
| Bell County | 91 | 208 | 7.000% | $135,000 | 53.2% |
| Hancock County | 74 | 206 | 6.750% | $155,000 | 24.7% |
| Lewis County | 92 | 204 | 6.875% | $125,000 | 33.5% |
| Todd County | 91 | 196 | 6.563% | $200,000 | 24.0% |
| Estill County | 92 | 195 | 6.625% | $165,000 | 39.3% |
| Webster County | 78 | 192 | 6.875% | $105,000 | 27.6% |
| Gallatin County | 87 | 187 | 6.750% | $175,000 | 37.0% |
| Washington County | 93 | 187 | 6.750% | $165,000 | 29.5% |
| Green County | 80 | 186 | 6.875% | $120,000 | 22.1% |
| Bath County | 86 | 182 | 6.750% | $145,000 | 33.7% |
| Bracken County | 80 | 182 | 6.750% | $125,000 | 31.9% |
| Metcalfe County | 63 | 180 | 6.875% | $135,000 | 29.1% |
| Perry County | 77 | 177 | 6.625% | $125,000 | 50.4% |
| Lawrence County | 80 | 173 | 6.750% | $135,000 | 51.7% |
| Monroe County | 54 | 173 | 6.990% | $115,000 | 30.9% |
| Harlan County | 73 | 166 | 6.750% | $110,000 | 50.0% |
| Livingston County | 75 | 158 | 6.875% | $135,000 | 25.4% |
| McLean County | 63 | 156 | 6.750% | $130,000 | 27.7% |
| Lyon County | 89 | 153 | 6.750% | $175,000 | 25.3% |
| Union County | 76 | 150 | 6.750% | $120,000 | 28.6% |
| Adair County | 90 | 147 | 6.500% | $145,000 | 36.3% |
| Ballard County | 73 | 146 | 6.500% | $135,000 | 26.7% |
| Casey County | 92 | 146 | 6.625% | $150,000 | 38.3% |
| Crittenden County | 69 | 145 | 6.750% | $115,000 | 19.3% |
| Menifee County | 83 | 135 | 7.250% | $115,000 | 30.4% |
| Letcher County | 50 | 134 | 6.625% | $95,000 | 43.8% |
| Clay County | 79 | 130 | 6.875% | $130,000 | 57.5% |
| Nicholas County | 76 | 122 | 6.750% | $120,000 | 40.0% |
| Jackson County | 84 | 117 | 6.500% | $145,000 | 45.3% |
| Wolfe County | 75 | 94 | 6.875% | $195,000 | 39.8% |
| Carlisle County | 57 | 90 | 6.625% | $120,000 | 26.8% |
| Morgan County | 70 | 86 | 6.579% | $150,000 | 38.4% |
| Clinton County | 62 | 80 | 6.875% | $155,000 | 37.4% |
| Knott County | 41 | 77 | 6.990% | $125,000 | 58.9% |
| Fulton County | 49 | 67 | 6.500% | $105,000 | 30.5% |
| Breathitt County | 46 | 63 | 7.375% | $105,000 | 61.7% |
| Martin County | 49 | 61 | 7.000% | $85,000 | 62.5% |
| Magoffin County | 48 | 60 | 6.625% | $130,000 | 63.4% |
| Cumberland County | 59 | 57 | 6.990% | $175,000 | 40.2% |
| Lee County | 56 | 57 | 6.990% | $145,000 | 47.4% |
| Leslie County | 38 | 49 | 6.999% | $95,000 | 63.1% |
| Hickman County | 47 | 48 | 6.625% | $125,000 | 26.4% |
| Robertson County | 41 | 46 | 6.563% | $130,000 | 22.6% |
| Elliott County | 39 | 39 | 6.438% | $95,000 | 44.0% |
| Owsley County | 37 | 27 | 6.625% | $135,000 | 49.3% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.