Lenders › Huntington National Bank › Kentucky
Huntington National Bank in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Huntington National Bank's 2024 HMDA record for Kentucky covers 1,649 applications, 960 of them originated, worth $183m.
Its denial rate in the state was 28.7%, above the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 34.6%.
The median rate spread on its Kentucky originations was 0.7 percentage points (state median 0.4).
Applications in the state were down 9% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Huntington National Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 28.7% | 25.0% | 34.6% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.6 | 0.3 |
| Originations with spread of 1.5 pp or more | 20.8% | 16.0% | 18.7% | 15.6% |
| Average originated loan | $190k | $219k | $199k | $329k |
| Home purchase share | 30.6% | 55.3% | 30.5% | 57.0% |
| FHA-insured share | 2.1% | 14.6% | 3.5% | 13.4% |
| VA-guaranteed share | 0.8% | 8.0% | 0.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 31% (294)Home improvement 21% (204)Refinancing 16% (158)Cash-out refinancing 17% (160)Other purpose 15% (144)
By type
Conventional 97% (932)FHA 2% (20)VA 1% (8)
Denial reasons as coded
Share of 407 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Kenton County | 653 | 386 | $65m | 27.7% |
| Boone County | 471 | 277 | $46m | 28.5% |
| Campbell County | 147 | 87 | $15m | 23.8% |
| Jefferson County | 86 | 49 | $14m | 32.5% |
| Fayette County | 37 | 31 | $12m | 13.9% |
| Grant County | 39 | 25 | $5.8m | 22.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Huntington National Bank originate in Kentucky in 2024?
960 loans totalling $183m, from 1,649 applications reported for properties in Kentucky.
What is Huntington National Bank's denial rate in Kentucky?
28.7% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 34.6% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Huntington National Bank lend in most?
By originations: Kenton County (386), Boone County (277), Campbell County (87), Jefferson County (49), Fayette County (31).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.