Lenders › Amerisave Mortgage Company › Kentucky
Amerisave Mortgage Company 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, Amerisave Mortgage Company reported 1,892 applications and 373 originations for 2024, $53m in all.
Its denial rate in the state was 76.7%, above the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 81.9%.
The median rate spread on its Kentucky originations was 1.1 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Amerisave Mortgage Company, all states | United States |
|---|---|---|---|---|
| Denial rate | 76.7% | 25.0% | 81.9% | 24.3% |
| Median rate spread, pp | 1.1 | 0.4 | 3.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 43.0% | 16.0% | 54.7% | 15.6% |
| Average originated loan | $141k | $219k | $145k | $329k |
| Home purchase share | 14.5% | 55.3% | 6.6% | 57.0% |
| FHA-insured share | 33.0% | 14.6% | 20.9% | 13.4% |
| VA-guaranteed share | 6.7% | 8.0% | 5.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 14% (54)Refinancing 2% (8)Cash-out refinancing 83% (311)
By type
Conventional 60% (225)FHA 33% (123)VA 7% (25)
Denial reasons as coded
Share of 1,246 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 | 337 | 74 | $12m | 73.2% |
| Fayette County | 105 | 19 | $2.4m | 77.9% |
| Kenton County | 78 | 18 | $2.3m | 71.0% |
| Bullitt County | 56 | 14 | $2.2m | 72.0% |
| Boone County | 62 | 13 | $2.2m | 76.8% |
| Hardin County | 74 | 12 | $1.5m | 80.0% |
| Daviess County | 49 | 11 | $1.6m | 74.4% |
| Pulaski County | 25 | 11 | $2.4m | — |
| Madison County | 40 | 10 | $1.5m | 71.4% |
| Oldham County | 33 | 9 | $1.7m | 67.9% |
| Shelby County | 31 | 9 | $1.5m | 67.9% |
| Campbell County | 39 | 7 | $1.2m | 79.4% |
| Scott County | 30 | 7 | $875k | 72.0% |
| Laurel County | 29 | 7 | $965k | — |
| Hopkins County | 33 | 5 | $535k | 82.1% |
| Henderson County | 29 | 5 | $245k | — |
| Warren County | 39 | 4 | $570k | 83.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Amerisave Mortgage Company originate in Kentucky in 2024?
373 loans totalling $53m, from 1,892 applications reported for properties in Kentucky.
What is Amerisave Mortgage Company's denial rate in Kentucky?
76.7% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 81.9% 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 Amerisave Mortgage Company lend in most?
By originations: Jefferson County (74), Fayette County (19), Kenton County (18), Bullitt County (14), Boone County (13).
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.