By the Wirly Editorial Team | AI-assisted, human-reviewed
Mortgage Refinancing in Kentucky
Real refinance data for Kentucky from federal sources, updated annually. See how your state compares to national averages.
Refinance Originations
11,877
2024 HMDA data
Avg Loan Amount
$259,874
National: $428,119
Denial Rate
19.84%
▲ Below national avg
Median Home Value
$192,300
U.S. Census Bureau
Source: HMDA 2024 via CFPB, U.S. Census Bureau ACS
Calculate your refinance savingsRefinance Trends in Kentucky
Originations by Year
Refinance originations in Kentucky by year. Source: HMDA via CFPB.
Loan Type Breakdown
Includes all refinance applications (originated, denied, and other outcomes). Source: HMDA via CFPB.
Home Price Trends in Kentucky
Source: FHFA House Price Index
Top Lenders in Kentucky
| # | Lender | HMDA Records | Avg Loan |
|---|---|---|---|
| 1 | Vanderbilt Mortgage And Finance Inc. | 8,191 | - |
| 2 | Rocket Mortgage LLC | 7,952 | - |
| 3 | Vanderbilt Mortgage And Finance Inc. | 7,913 | - |
| 4 | U.s. Bank National Association | 7,185 | - |
| 5 | Fifth Third Bank National Association | 6,988 | - |
| 6 | Vanderbilt Mortgage And Finance Inc. | 6,838 | - |
| 7 | Rocket Mortgage LLC | 6,398 | - |
| 8 | United Shore Financial Services LLC | 5,911 | - |
| 9 | Rocket Mortgage LLC | 5,288 | - |
| 10 | Pennymac Loan Services LLC | 5,156 | - |
Ranked by total HMDA filings in the state (2024). Source: HMDA via CFPB.
Compare all lenders →How Kentucky Compares
| Metric | Kentucky | National Avg |
|---|---|---|
| Refinance Originations | 11,877 | 697,820 |
| Avg Loan Amount | $259,874 | $428,119 |
| Denial Rate | 19.84% | 24.2% |
Green indicates the state performs better than the national average. Red indicates worse. Source: HMDA 2024, U.S. Census Bureau.
Current Mortgage Rates
30-Year Fixed
6.51%
▲ 6.36% prev
15-Year Fixed
5.85%
▲ 5.71% prev
5/1 ARM
6.06%
▲ 5.95% prev
National average rates updated daily from FRED (Federal Reserve Bank of St. Louis). Your rate depends on your credit score, loan amount, and lender.
Get personalized rates →Frequently Asked Questions
How many people refinanced in Kentucky in 2024?
In 2024, there were 11,877 refinance originations in Kentucky, according to HMDA data reported to the CFPB.
What is the average refinance loan amount in Kentucky?
The average refinance loan amount in Kentucky was $259,874 in 2024. This reflects originated loans reported through HMDA.
What is the refinance denial rate in Kentucky?
The refinance denial rate in Kentucky was 19.84% in 2024. This is calculated from originated and denied applications reported to the CFPB.
What are the top refinance lenders in Kentucky?
The most active lenders in Kentucky by HMDA filing volume include Vanderbilt Mortgage And Finance Inc., Rocket Mortgage LLC, Vanderbilt Mortgage And Finance Inc.. See the full list above for details.
Is it a good time to refinance in Kentucky?
Whether refinancing makes sense depends on your current rate, loan balance, and how long you plan to stay in your home. Use our refinance calculator and break-even calculator to estimate your potential savings based on current national rates.
Want a deeper analysis?
Read our full editorial guide on refinancing in Kentucky, including tips, regulations, and state programs.
Read the Kentucky Refinance GuideData sourced from HMDA (Home Mortgage Disclosure Act) via the CFPB and FRED (Federal Reserve Bank of St. Louis). Demographics from the U.S. Census Bureau American Community Survey. This page is for educational purposes only and does not constitute financial advice. Consult a licensed mortgage professional for personalized guidance.