2025 activity year · Official source proof
Kentucky mortgage market
Reported mortgage application activity from the official CFPB/FFIEC HMDA Data Browser, with purchased loans excluded from the application denominator.
Activity year
2025
Action taken
What happened to applications?
Originated57.8% · 100,653
Approved, not accepted3.2% · 5,634
Denied18.7% · 32,628
Withdrawn13.2% · 23,047
File closed for incompleteness6.6% · 11,456
Preapproval denied0.1% · 94
Preapproval approved, not accepted0.4% · 637
“Originated” means the reported application resulted in a loan. It is not an approval probability for a future applicant.
Loan purpose
Why people applied
49%Home purchase
- Home purchase49.0%
- Home improvement9.2%
- Other purpose10.9%
- Not applicable0.2%
- Refinancing15.6%
- Cash-out refinancing15.1%
Next source gate
Denial reasons are not published yet.
That analysis requires the raw modified-LAR pipeline, reason-code reconciliation, and small-cell review. We will not fill the gap with estimates or unsupported conclusions.
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Data provenance
Every published number will carry its source.
This profile identifies the activity year, cohort rules, source endpoint, response hash, and processing date. Source: CFPB/FFIEC HMDA Data Browser API. Last refreshed September 2, 2026.