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Bank of England 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.
Bank of England's 2024 HMDA record for Kentucky covers 431 applications, 337 of them originated, worth $86m.
Its denial rate in the state was 3.4%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 7.6%.
The median rate spread on its Kentucky originations was 0.5 percentage points (state median 0.4).
Applications in the state were down 15% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Bank of England, all states | United States |
|---|---|---|---|---|
| Denial rate | 3.4% | 25.0% | 7.6% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.8% | 16.0% | 2.8% | 15.6% |
| Average originated loan | $254k | $219k | $319k | $329k |
| Home purchase share | 97.6% | 55.3% | 89.6% | 57.0% |
| FHA-insured share | 42.1% | 14.6% | 33.4% | 13.4% |
| VA-guaranteed share | 4.2% | 8.0% | 9.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 98% (329)Refinancing 1% (4)Cash-out refinancing 1% (4)
By type
Conventional 51% (173)FHA 42% (142)VA 4% (14)USDA 2% (8)
Denial reasons as coded
Withheld: fewer than 25 denials in the state.
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Fayette County | 103 | 94 | $26m | 0.0% |
| Kenton County | 48 | 34 | $8.4m | 8.1% |
| Scott County | 33 | 27 | $7.9m | 0.0% |
| Boone County | 31 | 23 | $6.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of England originate in Kentucky in 2024?
337 loans totalling $86m, from 431 applications reported for properties in Kentucky.
What is Bank of England's denial rate in Kentucky?
3.4% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 7.6% 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 Bank of England lend in most?
By originations: Fayette County (94), Kenton County (34), Scott County (27), Boone County (23).
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.