Lender in Kentucky · HMDA 2025
Truist Bank mortgages in Kentucky
Truist Bank's 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Truist Bank originated 397 owner-occupied single-family loans in Kentucky from 453 completed applications.
Its median conventional purchase loan costs were $4,140 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.49% (Kentucky: 6.625%).
Loans in KY
397
of 453 applications
Denial rate
6.3%
Purchase · KY 8.2%
Rate spread
+0.13 pts
Conv. · KY +0.21 pts
Loan amount
$215,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 349 | 325 | 6.3% | 6.490% | +0.13 pts | $4,140 | $215,000 |
| Refinance | 26 | 18 | 30.8% | — | — | — | — |
| Cash-out refinance | 78 | 54 | 28.2% | 6.990% | +0.52 pts | $3,360 | $135,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Truist Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gallatin County | 2 | 7 | 8.4% |
| Martin County | 6 | 2 | 7.4% |
| Pike County | 7 | 9 | 3.5% |
| Lyon County | 8 | 3 | 4.2% |
| Harlan County | 9 | 4 | 3.7% |
| Wayne County | 9 | 4 | 3.2% |
| Logan County | 13 | 7 | 1.8% |
| Pendleton County | 13 | 5 | 2.8% |
| Washington County | 14 | 3 | 2.8% |
| Calloway County | 15 | 5 | 1.5% |
| Barren County | 16 | 9 | 1.6% |
| Daviess County | 20 | 11 | 0.9% |
| Grant County | 20 | 5 | 1.5% |
| Ohio County | 21 | 3 | 1.5% |
| Hickman County | 21 | 1 | 3.0% |
| Lee County | 21 | 1 | 3.6% |
| Jefferson County | 22 | 141 | 1.3% |
| Warren County | 22 | 19 | 1.1% |
| Clark County | 23 | 6 | 1.1% |
| Kenton County | 24 | 26 | 0.9% |
| McCracken County | 24 | 7 | 0.9% |
| Christian County | 25 | 6 | 0.7% |
- Truist Bank nationwide
- Kentucky mortgage market
- Truist Bank in North Carolina
- Truist Bank in Virginia
- Truist Bank in Georgia
- Truist Bank in Florida
- Truist Bank in Maryland
- Truist Bank in South Carolina
- Truist Bank in Tennessee
- Truist Bank in Pennsylvania
- Truist Bank in Texas
- Truist Bank in West Virginia
- Truist Bank in Missouri
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology