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West Point 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.
In Kentucky, West Point Bank reported 331 applications and 268 originations for 2024, $50m in all.
Its denial rate in the state was 9.1%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 9.1%.
Applications in the state were down 6% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | West Point Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 9.1% | 25.0% | 9.1% | 24.3% |
| Median rate spread, pp | — | 0.4 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 16.0% | — | 15.6% |
| Average originated loan | $186k | $219k | $187k | $329k |
| Home purchase share | 70.5% | 55.3% | 70.4% | 57.0% |
| FHA-insured share | 0.0% | 14.6% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 8.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 71% (189)Home improvement 9% (24)Refinancing 16% (43)Other purpose 4% (12)
By type
Conventional 100% (268)
Denial reasons as coded
Share of 29 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hardin County | 225 | 185 | $36m | 6.5% |
| Larue County | 26 | 21 | $3.4m | 12.0% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did West Point Bank originate in Kentucky in 2024?
268 loans totalling $50m, from 331 applications reported for properties in Kentucky.
What is West Point Bank's denial rate in Kentucky?
9.1% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 9.1% 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 West Point Bank lend in most?
By originations: Hardin County (185), Larue County (21).
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.