Lender in Kentucky · HMDA 2025
PNC Bank, N.A. mortgages in Kentucky
PNC Bank, N.A.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
PNC Bank, N.A. originated 437 owner-occupied single-family loans in Kentucky from 493 completed applications.
Its median conventional purchase loan costs were $3,950 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.50% (Kentucky: 6.625%).
Loans in KY
437
of 493 applications
Denial rate
10.8%
Purchase · KY 8.2%
Rate spread
+0.05 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 | 341 | 300 | 10.8% | 6.500% | +0.05 pts | $3,950 | $225,000 |
| Refinance | 75 | 67 | 9.3% | 6.375% | +0.06 pts | $3,370 | $185,000 |
| Cash-out refinance | 77 | 70 | 9.1% | 7.000% | +0.51 pts | $3,330 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where PNC Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 13 | 202 | 1.8% |
| Nelson County | 13 | 16 | 2.0% |
| Clay County | 13 | 2 | 3.2% |
| Wayne County | 16 | 2 | 1.6% |
| Carter County | 17 | 3 | 1.4% |
| Boyd County | 21 | 5 | 0.9% |
| Larue County | 21 | 3 | 1.3% |
| Oldham County | 22 | 15 | 1.3% |
| Bullitt County | 24 | 19 | 1.2% |
- PNC Bank, N.A. nationwide
- Kentucky mortgage market
- PNC Bank, N.A. in Pennsylvania
- PNC Bank, N.A. in Ohio
- PNC Bank, N.A. in California
- PNC Bank, N.A. in Illinois
- PNC Bank, N.A. in Indiana
- PNC Bank, N.A. in Florida
- PNC Bank, N.A. in Michigan
- PNC Bank, N.A. in Texas
- PNC Bank, N.A. in New Jersey
- PNC Bank, N.A. in North Carolina
- PNC Bank, N.A. in Maryland
- PNC Bank, N.A. in Virginia
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology