Lender in Kentucky · HMDA 2025
Lower, LLC mortgages in Kentucky
Lower, LLC's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Lower, LLC originated 398 owner-occupied single-family loans in Kentucky from 462 completed applications.
Its median conventional purchase loan costs were $4,980 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
398
of 462 applications
Denial rate
5.7%
Purchase · KY 8.2%
Rate spread
+0.26 pts
Conv. · KY +0.21 pts
Loan amount
$265,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 335 | 311 | 5.7% | 6.750% | +0.26 pts | $4,980 | $265,000 |
| Refinance | 46 | 31 | 26.1% | — | — | — | $245,000 |
| Cash-out refinance | 81 | 56 | 29.6% | — | — | — | $255,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Owsley County | 5 | 1 | 11.1% |
| Morgan County | 6 | 2 | 4.8% |
| Ohio County | 10 | 5 | 2.5% |
| Breathitt County | 11 | 1 | 4.8% |
| Montgomery County | 14 | 6 | 1.7% |
| Henry County | 14 | 4 | 1.9% |
| Powell County | 14 | 3 | 2.3% |
| Rowan County | 14 | 3 | 2.0% |
| Breckinridge County | 15 | 3 | 1.8% |
| Trimble County | 15 | 2 | 2.3% |
| Bourbon County | 16 | 4 | 1.8% |
| Mason County | 16 | 3 | 1.7% |
| Scott County | 17 | 18 | 1.5% |
| Hancock County | 17 | 2 | 2.0% |
| Fulton County | 18 | 1 | 2.6% |
| Fayette County | 20 | 47 | 1.3% |
| Garrard County | 21 | 4 | 1.5% |
| Pulaski County | 22 | 7 | 1.1% |
| Spencer County | 23 | 4 | 1.1% |
| Muhlenberg County | 23 | 2 | 0.7% |
| Jefferson County | 24 | 128 | 1.1% |
| Jessamine County | 24 | 9 | 1.1% |
| Clay County | 24 | 1 | 1.6% |
| Menifee County | 24 | 1 | 1.7% |
| Larue County | 25 | 2 | 0.9% |
- Lower, LLC nationwide
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- Lower, LLC in Indiana
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology