Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Jefferson County, Kentucky
Every institution that decided a 1–4 unit mortgage application in Jefferson County, home to Louisville, between 2023 and 2025: 58,766 applications, 46,635 loans actually funded, across 8 kinds of borrowing.
Jefferson County at a glance
58,766Applications decided
2023–2025
46,635Loans funded
79% of decisions
216Census tracts
34 ZIP codes
777,392People
ACS 2023
What the data shows
The typical purchase mortgage here is $225K.
Investment home improvement is the hardest money to get here: lenders approved 66% of 488 applications.
Lending by loan type in Jefferson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.9% | 30,951 | $225K | 98% | 424 |
| Home improvement loans | 67.3% | 6,940 | $65K | 95% | 130 |
| Cash-out refinance | 69.2% | 7,769 | $125K | 95% | 213 |
| Refinance | 80.0% | 6,936 | $135K | 94% | 220 |
| Investment property purchase | 88.8% | 3,472 | $145K | 95% | 267 |
| Investment cash-out refinance | 76.4% | 987 | $135K | 94% | 144 |
| Investment refinance | 81.9% | 1,223 | $145K | 95% | 129 |
| Investment home improvement | 66.4% | 488 | $115K | 96% | 64 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.