Lenders › Royal United Mortgage LLC › Kentucky
Royal United Mortgage LLC 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, Royal United Mortgage LLC reported 261 applications and 159 originations for 2024, $17m in all.
Its denial rate in the state was 27.1%, above the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 30.6%.
The median rate spread on its Kentucky originations was 1.3 percentage points (state median 0.4).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Royal United Mortgage LLC, all states | United States |
|---|---|---|---|---|
| Denial rate | 27.1% | 25.0% | 30.6% | 24.3% |
| Median rate spread, pp | 1.3 | 0.4 | 1.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 29.6% | 16.0% | 22.4% | 15.6% |
| Average originated loan | $106k | $219k | $126k | $329k |
| Home purchase share | 6.9% | 55.3% | 3.4% | 57.0% |
| FHA-insured share | 19.5% | 14.6% | 12.5% | 13.4% |
| VA-guaranteed share | 3.1% | 8.0% | 2.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 7% (11)Refinancing 93% (148)
By type
Conventional 77% (122)FHA 19% (31)VA 3% (5)USDA 1% (1)
Denial reasons as coded
Share of 60 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 | 39 | 21 | $2.7m | 34.4% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Royal United Mortgage LLC originate in Kentucky in 2024?
159 loans totalling $17m, from 261 applications reported for properties in Kentucky.
What is Royal United Mortgage LLC's denial rate in Kentucky?
27.1% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 30.6% 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 Royal United Mortgage LLC lend in most?
By originations: Jefferson 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.