Lender in Kentucky · HMDA 2025
New American Funding mortgages in Kentucky
New American Funding's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
New American Funding originated 761 owner-occupied single-family loans in Kentucky from 885 completed applications, making it the state's #12 lender by volume.
Its median conventional purchase loan costs were $5,560 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.875% (Kentucky: 6.625%).
Loans in KY
761
of 885 applications
Denial rate
6.3%
Purchase · KY 8.2%
Rate spread
+0.53 pts
Conv. · KY +0.21 pts
Loan amount
$225,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 667 | 620 | 6.3% | 6.875% | +0.53 pts | $5,560 | $225,000 |
| Refinance | 67 | 50 | 23.9% | — | — | — | $255,000 |
| Cash-out refinance | 151 | 91 | 39.7% | — | — | — | $195,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where New American Funding ranks in the top 25
Showing the 30 counties where it ranks highest, of 61.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lincoln County | 1 | 29 | 11.7% |
| Pulaski County | 2 | 67 | 10.2% |
| Boyle County | 2 | 26 | 6.6% |
| Casey County | 2 | 7 | 9.6% |
| Estill County | 3 | 8 | 6.7% |
| Menifee County | 3 | 4 | 6.7% |
| Garrard County | 4 | 17 | 6.2% |
| McCreary County | 4 | 11 | 7.0% |
| Russell County | 4 | 9 | 7.0% |
| Jackson County | 4 | 4 | 5.9% |
| Mercer County | 7 | 16 | 4.8% |
| Rockcastle County | 7 | 5 | 5.0% |
| Bell County | 7 | 4 | 4.1% |
| Anderson County | 8 | 10 | 2.7% |
| Trigg County | 8 | 5 | 2.5% |
| Powell County | 8 | 4 | 3.0% |
| Wayne County | 8 | 4 | 3.2% |
| Hancock County | 8 | 3 | 3.0% |
| Madison County | 9 | 42 | 2.9% |
| Jessamine County | 9 | 18 | 2.2% |
| Breckinridge County | 9 | 5 | 2.9% |
| Christian County | 10 | 26 | 3.1% |
| Scott County | 10 | 25 | 2.1% |
| Montgomery County | 10 | 8 | 2.3% |
| Johnson County | 10 | 4 | 2.5% |
| Washington County | 10 | 3 | 2.8% |
| Daviess County | 11 | 18 | 1.4% |
| Harrison County | 11 | 5 | 2.8% |
| Pike County | 11 | 5 | 1.9% |
| Lee County | 11 | 1 | 3.6% |
- New American Funding nationwide
- Kentucky mortgage market
- New American Funding in Texas
- New American Funding in California
- New American Funding in Georgia
- New American Funding in Illinois
- New American Funding in Florida
- New American Funding in Missouri
- New American Funding in Pennsylvania
- New American Funding in Minnesota
- New American Funding in Washington
- New American Funding in Ohio
- New American Funding in Tennessee
- New American Funding in North Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology