UNIVERSITY OF KENTUCKY
UNIVERSITY OF KENTUCKY received 2,979 applications in 2025 and made 1,710 mortgages, in 78 counties across 1 state. The median rate its borrowers got was 7.000% on a median loan of $95,000. Of 2,544 decisions, 645 were denials — 25.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300V5YG1VXZAU5G02 |
|---|---|
| Applications received | 2,979 |
| Mortgages made | 1,710 |
| Denied | 645 |
| Approved, not taken up | 189 |
| Withdrawn or incomplete | 435 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.26 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 119 | 6.740% | $175,000 | 21.6% |
| Refinancing | 629 | 7.000% | $125,000 | 22.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Other purposes | 960 | 6.500% | $65,000 | 27.7% |
Where UNIVERSITY OF KENTUCKY lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, KY | 863 | 7.000% | 23.3% |
| Jessamine County, KY | 163 | 6.500% | 24.4% |
| Jefferson County, KY | 138 | 7.000% | 24.8% |
| Madison County, KY | 92 | 7.000% | 22.9% |
| Scott County, KY | 88 | 6.870% | 22.7% |
| Woodford County, KY | 39 | 6.500% | 25.0% |
| Clark County, KY | 29 | 7.000% | 25.6% |
| Oldham County, KY | 29 | 7.000% | 23.8% |
| Franklin County, KY | 21 | 7.250% | 26.5% |
| Montgomery County, KY | 18 | 7.250% | 28.0% |
| Anderson County, KY | 15 | 6.990% | 10.5% |
| Bullitt County, KY | 15 | 7.500% | 28.6% |
| Garrard County, KY | 15 | 6.500% | 25.9% |
| Mercer County, KY | 15 | 7.500% | 34.8% |
| Shelby County, KY | 15 | 7.250% | 33.3% |
| Bourbon County, KY | 14 | 7.250% | 50.0% |
| Harrison County, KY | 12 | 7.620% | 29.4% |
| Boone County, KY | 10 | 6.750% | 21.4% |
| Pulaski County, KY | 10 | 7.250% | 16.7% |
| Boyle County, KY | 9 | Under 10 loans | 20.0% |
| Nelson County, KY | 7 | Under 10 loans | 33.3% |
| Spencer County, KY | 7 | Under 10 loans | 0.0% |
| Campbell County, KY | 6 | Under 10 loans | 25.0% |
| Hardin County, KY | 5 | Under 10 loans | 16.7% |
| Nicholas County, KY | 5 | Under 10 loans | 28.6% |
| Kenton County, KY | 4 | Under 10 loans | 42.9% |
| Lincoln County, KY | 4 | Under 10 loans | 20.0% |
| Powell County, KY | 4 | Under 10 loans | 40.0% |
| Rowan County, KY | 4 | Under 10 loans | 33.3% |
| Wayne County, KY | 4 | Under 10 loans | 0.0% |
| Barren County, KY | 3 | Under 10 loans | 40.0% |
| Laurel County, KY | 3 | Under 10 loans | 50.0% |
| Marion County, KY | 3 | Under 10 loans | 55.6% |
| Daviess County, KY | 2 | Under 10 loans | 66.7% |
| Henderson County, KY | 2 | Under 10 loans | 0.0% |
| Henry County, KY | 2 | Under 10 loans | 33.3% |
| Knox County, KY | 2 | Under 10 loans | 33.3% |
| Leslie County, KY | 2 | Under 10 loans | 0.0% |
| Meade County, KY | 2 | Under 10 loans | 50.0% |
| Owen County, KY | 2 | Under 10 loans | 60.0% |
| Pendleton County, KY | 2 | Under 10 loans | 0.0% |
| Perry County, KY | 2 | Under 10 loans | 33.3% |
| Rockcastle County, KY | 2 | Under 10 loans | 60.0% |
| Warren County, KY | 2 | Under 10 loans | 33.3% |
| Breckinridge County, KY | 1 | Under 10 loans | 0.0% |
| Calloway County, KY | 1 | Under 10 loans | 0.0% |
| Casey County, KY | 1 | Under 10 loans | 0.0% |
| Christian County, KY | 1 | Under 10 loans | 0.0% |
| Crittenden County, KY | 1 | Under 10 loans | 0.0% |
| Estill County, KY | 1 | Under 10 loans | 50.0% |
Get told when this changes
When UNIVERSITY OF KENTUCKY’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.