Lender in Kentucky · HMDA 2025
U.S. Bank, N.A. mortgages in Kentucky
U.S. Bank, N.A.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
U.S. Bank, N.A. originated 1,332 owner-occupied single-family loans in Kentucky from 1,483 completed applications, making it the state's #5 lender by volume.
Its median conventional purchase loan costs were $3,780 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
1,332
of 1,483 applications
Denial rate
8.4%
Purchase · KY 8.2%
Rate spread
+0.31 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 | 1,254 | 1,129 | 8.4% | 6.750% | +0.31 pts | $3,780 | $215,000 |
| Refinance | 90 | 78 | 10.0% | 6.375% | +0.07 pts | $3,030 | $225,000 |
| Cash-out refinance | 139 | 125 | 7.9% | 6.990% | +0.48 pts | $3,300 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where U.S. Bank, N.A. ranks in the top 25
Showing the 30 counties where it ranks highest, of 63.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Graves County | 1 | 45 | 11.6% |
| Mason County | 1 | 19 | 10.7% |
| Daviess County | 3 | 79 | 6.1% |
| Jefferson County | 4 | 411 | 3.6% |
| Rowan County | 4 | 9 | 5.9% |
| Pike County | 5 | 15 | 5.8% |
| Floyd County | 5 | 8 | 5.0% |
| Menifee County | 5 | 4 | 6.7% |
| Knott County | 5 | 2 | 6.9% |
| Warren County | 6 | 66 | 3.7% |
| Madison County | 6 | 52 | 3.5% |
| Allen County | 6 | 12 | 3.9% |
| Fleming County | 6 | 5 | 3.9% |
| Monroe County | 6 | 3 | 3.3% |
| Barren County | 7 | 23 | 4.0% |
| Pendleton County | 7 | 8 | 4.5% |
| McLean County | 7 | 4 | 5.3% |
| Metcalfe County | 7 | 3 | 3.1% |
| Perry County | 7 | 3 | 3.0% |
| Webster County | 7 | 3 | 3.7% |
| McCracken County | 8 | 32 | 3.9% |
| Lewis County | 8 | 4 | 3.8% |
| Washington County | 8 | 4 | 3.7% |
| Owsley County | 8 | 1 | 11.1% |
| Marion County | 9 | 5 | 3.4% |
| Rockcastle County | 9 | 4 | 4.0% |
| Kenton County | 10 | 87 | 2.9% |
| Boone County | 10 | 64 | 2.5% |
| Campbell County | 10 | 50 | 3.1% |
| Grant County | 10 | 13 | 3.9% |
- U.S. Bank, N.A. nationwide
- Kentucky mortgage market
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- U.S. Bank, N.A. in Iowa
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology