Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Kenton County, Kentucky
Every institution that decided a 1–4 unit mortgage application in Kenton County, home to Covington, between 2023 and 2025: 15,623 applications, 12,437 loans actually funded, across 8 kinds of borrowing.
Kenton County at a glance
15,623Applications decided
2023–2025
12,437Loans funded
80% of decisions
44Census tracts
8 ZIP codes
169,817People
ACS 2023
What the data shows
The typical purchase mortgage here is $235K.
Lending by loan type in Kenton County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.2% | 7,678 | $235K | 98% | 276 |
| Home improvement loans | 65.6% | 2,182 | $55K | 94% | 74 |
| Cash-out refinance | 73.4% | 2,453 | $135K | 96% | 151 |
| Refinance | 80.3% | 2,056 | $155K | 94% | 150 |
| Investment property purchase | 90.3% | 699 | $165K | 98% | 141 |
| Investment cash-out refinance | 86.3% | 300 | $155K | 95% | 74 |
| Investment refinance | 79.5% | 166 | $165K | 96% | 57 |
| Investment home improvement | 51.7% | 89 | $145K | 100% | 27 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.