Lenders › United Wholesale Mortgage › Kentucky
United Wholesale 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.
In Kentucky, United Wholesale Mortgage reported 5,893 applications and 4,643 originations for 2024, $1.1bn in all.
Its denial rate in the state was 10.0%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 13.4%.
The median rate spread on its Kentucky originations was 0.3 percentage points (state median 0.4).
Applications in the state were up 40% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | United Wholesale Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 10.0% | 25.0% | 13.4% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.0% | 16.0% | 5.8% | 15.6% |
| Average originated loan | $237k | $219k | $382k | $329k |
| Home purchase share | 73.7% | 55.3% | 67.0% | 57.0% |
| FHA-insured share | 23.5% | 14.6% | 20.3% | 13.4% |
| VA-guaranteed share | 16.2% | 8.0% | 14.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 74% (3,420)Refinancing 13% (626)Cash-out refinancing 13% (597)
By type
Conventional 59% (2,736)FHA 24% (1,092)VA 16% (752)USDA 1% (63)
Denial reasons as coded
Share of 528 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 | 2,187 | 1,774 | $372m | 9.8% |
| Hardin County | 317 | 274 | $77m | 3.8% |
| Kenton County | 303 | 242 | $60m | 7.9% |
| Boone County | 263 | 207 | $63m | 10.2% |
| Bullitt County | 203 | 167 | $41m | 7.1% |
| Fayette County | 215 | 165 | $44m | 11.9% |
| Campbell County | 195 | 159 | $40m | 11.0% |
| Oldham County | 144 | 120 | $52m | 5.5% |
| Daviess County | 101 | 89 | $19m | 3.3% |
| Nelson County | 84 | 66 | $17m | 15.0% |
| Madison County | 80 | 63 | $17m | 9.7% |
| Meade County | 74 | 63 | $18m | 4.5% |
| Shelby County | 78 | 61 | $19m | 7.4% |
| Boyd County | 74 | 60 | $9.0m | 7.7% |
| Warren County | 85 | 58 | $15m | 11.3% |
| Christian County | 81 | 54 | $13m | 10.4% |
| Greenup County | 57 | 43 | $7.2m | 13.7% |
| McCracken County | 58 | 42 | $7.5m | 14.0% |
| Scott County | 47 | 38 | $11m | 7.3% |
| Pulaski County | 44 | 32 | $7.7m | 13.5% |
| Calloway County | 41 | 30 | $6.9m | 16.7% |
| Grayson County | 37 | 29 | $6.4m | 3.3% |
| Grant County | 32 | 26 | $6.3m | 0.0% |
| Laurel County | 33 | 25 | $5.5m | 10.7% |
| Jessamine County | 29 | 25 | $8.7m | 10.7% |
| Carter County | 27 | 23 | $3.5m | — |
| Spencer County | 28 | 22 | $6.5m | 12.0% |
| Logan County | 28 | 21 | $4.9m | 16.0% |
| Marshall County | 25 | 21 | $3.7m | — |
| Henry County | 29 | 19 | $3.9m | — |
| Mercer County | 30 | 18 | $5.7m | — |
| Allen County | 29 | 17 | $3.8m | 26.9% |
| Johnson County | 26 | 17 | $2.3m | — |
| Graves County | 26 | 17 | $3.6m | — |
| Barren County | 26 | 17 | $4.2m | 32.0% |
| Hopkins County | 25 | 17 | $3.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Wholesale Mortgage originate in Kentucky in 2024?
4,643 loans totalling $1.1bn, from 5,893 applications reported for properties in Kentucky.
What is United Wholesale Mortgage's denial rate in Kentucky?
10.0% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 13.4% 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 United Wholesale Mortgage lend in most?
By originations: Jefferson County (1,774), Hardin County (274), Kenton County (242), Boone County (207), Bullitt County (167).
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.