Lender in Kentucky · HMDA 2025
United Wholesale Mortgage (UWM) mortgages in Kentucky
United Wholesale Mortgage (UWM)'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
United Wholesale Mortgage (UWM) originated 4,534 owner-occupied single-family loans in Kentucky from 5,180 completed applications, making it the state's #1 lender by volume.
Its median conventional purchase loan costs were $4,400 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.625% (Kentucky: 6.625%).
Loans in KY
4,534
of 5,180 applications
Denial rate
6.8%
Purchase · KY 8.2%
Rate spread
+0.36 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 | 3,051 | 2,817 | 6.8% | 6.625% | +0.36 pts | $4,400 | $245,000 |
| Refinance | 1,340 | 1,117 | 11.8% | 6.125% | −0.07 pts | $4,500 | $285,000 |
| Cash-out refinance | 789 | 600 | 22.1% | 6.939% | +0.47 pts | $5,200 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where United Wholesale Mortgage (UWM) ranks in the top 25
Showing the 30 counties where it ranks highest, of 114.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 1 | 1,622 | 14.4% |
| Hardin County | 1 | 291 | 15.0% |
| Boone County | 1 | 171 | 6.7% |
| Bullitt County | 1 | 142 | 8.9% |
| Oldham County | 1 | 117 | 9.7% |
| Boyd County | 1 | 89 | 15.9% |
| Shelby County | 1 | 70 | 9.1% |
| Meade County | 1 | 59 | 13.0% |
| Rowan County | 1 | 16 | 10.5% |
| Kenton County | 2 | 241 | 7.9% |
| Campbell County | 2 | 126 | 7.7% |
| Daviess County | 2 | 104 | 8.0% |
| Nelson County | 2 | 75 | 9.3% |
| Christian County | 2 | 56 | 6.7% |
| Greenup County | 2 | 40 | 9.8% |
| Spencer County | 2 | 40 | 11.3% |
| Grant County | 2 | 23 | 6.8% |
| Henry County | 2 | 17 | 8.1% |
| Perry County | 2 | 13 | 12.9% |
| Green County | 2 | 12 | 12.6% |
| Lawrence County | 2 | 10 | 10.6% |
| Fulton County | 2 | 7 | 17.9% |
| Livingston County | 2 | 6 | 9.0% |
| Knott County | 2 | 4 | 13.8% |
| Carlisle County | 2 | 3 | 5.0% |
| Carter County | 3 | 17 | 7.8% |
| Mercer County | 3 | 17 | 5.1% |
| Wayne County | 3 | 16 | 12.8% |
| Larue County | 3 | 14 | 6.3% |
| Breckinridge County | 3 | 13 | 7.6% |
- United Wholesale Mortgage (UWM) nationwide
- Kentucky mortgage market
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Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology