Lender in Kentucky · HMDA 2025
Commonwealth mortgages in Kentucky
Commonwealth's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Commonwealth originated 366 owner-occupied single-family loans in Kentucky from 562 completed applications.
Its median conventional purchase loan costs were $3,010 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.25% (Kentucky: 6.625%).
Loans in KY
366
of 562 applications
Denial rate
23.1%
Purchase · KY 8.2%
Rate spread
−0.19 pts
Conv. · KY +0.21 pts
Loan amount
$245,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 321 | 230 | 23.1% | 6.250% | −0.19 pts | $3,010 | $245,000 |
| Refinance | 74 | 40 | 41.9% | — | −0.21 pts | $2,560 | $245,000 |
| Cash-out refinance | 167 | 96 | 38.9% | 6.250% | −0.20 pts | $2,580 | $175,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Commonwealth ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Franklin County | 2 | 71 | 9.9% |
| Anderson County | 3 | 20 | 5.4% |
| Owen County | 4 | 7 | 5.0% |
| Mercer County | 6 | 16 | 4.8% |
| Woodford County | 6 | 13 | 3.7% |
| Bath County | 6 | 5 | 5.7% |
| Menifee County | 9 | 2 | 3.3% |
| Magoffin County | 9 | 1 | 3.7% |
| Fleming County | 10 | 3 | 2.4% |
| Scott County | 11 | 24 | 2.0% |
| Montgomery County | 11 | 7 | 2.0% |
| Henry County | 12 | 4 | 1.9% |
| Letcher County | 14 | 1 | 1.6% |
| Jessamine County | 15 | 14 | 1.7% |
| Shelby County | 15 | 13 | 1.7% |
| Morgan County | 15 | 1 | 2.4% |
| Boyle County | 16 | 6 | 1.5% |
| Lincoln County | 17 | 4 | 1.6% |
| Rockcastle County | 17 | 2 | 2.0% |
| Fayette County | 19 | 47 | 1.3% |
| Clark County | 19 | 7 | 1.3% |
| Nicholas County | 19 | 1 | 1.7% |
| Bourbon County | 21 | 3 | 1.3% |
| Bell County | 22 | 1 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology