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Rocket Mortgage 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.
Rocket Mortgage's 2024 HMDA record for Kentucky covers 6,261 applications, 4,679 of them originated, worth $898m.
Its denial rate in the state was 17.9%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 18.2%.
The median rate spread on its Kentucky originations was 0.6 percentage points (state median 0.4).
Applications in the state were up 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Rocket Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.9% | 25.0% | 18.2% | 24.3% |
| Median rate spread, pp | 0.6 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 14.2% | 16.0% | 17.8% | 15.6% |
| Average originated loan | $192k | $219k | $270k | $329k |
| Home purchase share | 34.7% | 55.3% | 38.0% | 57.0% |
| FHA-insured share | 29.6% | 14.6% | 18.5% | 13.4% |
| VA-guaranteed share | 10.5% | 8.0% | 7.8% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 35% (1,622)Home improvement 1% (37)Refinancing 11% (537)Cash-out refinancing 49% (2,288)Other purpose 4% (195)
By type
Conventional 60% (2,803)FHA 30% (1,387)VA 10% (489)
Denial reasons as coded
Share of 1,049 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,009 | 766 | $157m | 14.7% |
| Fayette County | 391 | 328 | $73m | 10.9% |
| Kenton County | 266 | 205 | $38m | 18.3% |
| Boone County | 233 | 190 | $42m | 13.9% |
| Hardin County | 208 | 153 | $37m | 17.7% |
| Bullitt County | 160 | 121 | $24m | 18.5% |
| Madison County | 138 | 113 | $21m | 8.7% |
| Warren County | 133 | 110 | $22m | 10.3% |
| Oldham County | 128 | 104 | $32m | 12.4% |
| Scott County | 137 | 98 | $21m | 19.0% |
| Pulaski County | 122 | 91 | $15m | 20.0% |
| Campbell County | 122 | 89 | $16m | 18.6% |
| Daviess County | 108 | 85 | $15m | 16.7% |
| Laurel County | 114 | 82 | $16m | 18.5% |
| Nelson County | 106 | 76 | $14m | 17.7% |
| Christian County | 102 | 74 | $12m | 18.3% |
| Jessamine County | 82 | 71 | $17m | 3.9% |
| McCracken County | 92 | 63 | $10m | 24.4% |
| Franklin County | 71 | 62 | $11m | 10.1% |
| Shelby County | 71 | 59 | $12m | 8.7% |
| Anderson County | 62 | 50 | $10m | 16.7% |
| Hopkins County | 54 | 45 | $7.0m | 13.5% |
| Clark County | 61 | 44 | $8.4m | 20.7% |
| Barren County | 65 | 43 | $6.9m | 26.7% |
| Henderson County | 62 | 41 | $5.9m | 25.4% |
| Boyd County | 59 | 39 | $5.9m | 26.4% |
| Spencer County | 47 | 39 | $10m | 4.8% |
| Marshall County | 54 | 38 | $6.3m | 21.6% |
| Pike County | 53 | 37 | $4.5m | 18.8% |
| Whitley County | 52 | 37 | $7.0m | 18.8% |
| Simpson County | 47 | 36 | $6.3m | 20.0% |
| Graves County | 48 | 35 | $5.5m | 18.2% |
| Boyle County | 45 | 35 | $6.1m | 12.2% |
| Logan County | 48 | 34 | $5.1m | 23.9% |
| Meade County | 49 | 32 | $7.1m | 18.6% |
| Trigg County | 41 | 31 | $6.1m | 20.0% |
| Montgomery County | 52 | 30 | $5.5m | 27.7% |
| Greenup County | 37 | 30 | $4.8m | 11.4% |
| Mercer County | 46 | 29 | $5.6m | 23.3% |
| Henry County | 38 | 29 | $6.3m | 14.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Rocket Mortgage originate in Kentucky in 2024?
4,679 loans totalling $898m, from 6,261 applications reported for properties in Kentucky.
What is Rocket Mortgage's denial rate in Kentucky?
17.9% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?
By originations: Jefferson County (766), Fayette County (328), Kenton County (205), Boone County (190), Hardin County (153).
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.