University of Kentucky mortgage approval rate & lending review
University of Kentucky decided 3,385 mortgage applications and funded 2,358 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions University of Kentucky reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
University of Kentucky at a glance
Approval is 6.0 points above the 70.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 71% | 142 / 199 | 84% | $145K | 119 |
| Home improvement loans | 79% | 1,278 / 1,616 | 92% | $65K | 1,172 |
| Refinance | 77% | 994 / 1,294 | 90% | $105K | 898 |
| Investment property purchase | 73% | 83 / 113 | 99% | $175K | 82 |
| Investment refinance | 74% | 75 / 102 | 93% | $175K | 70 |
| Investment home improvement | 29% | 17 / 59 | 94% | $85K | 16 |
University of Kentucky lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Kentucky | 77% | $85K | 3,384 | 2,358 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where University of Kentucky lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fayette County, KY | Home improvement loans | 79% | 1,378 | 998 |
| Fayette County, KY | Refinance | 77% | 1,119 | 775 |
| Jefferson County, KY | Home improvement loans | 79% | 210 | 155 |
| Jefferson County, KY | Refinance | 75% | 150 | 106 |
| Fayette County, KY | Mortgage lenders | 73% | 165 | 100 |
| Fayette County, KY | Investment property purchase | 75% | 87 | 64 |
| Fayette County, KY | Investment refinance | 68% | 59 | 39 |
| Jefferson County, KY | Investment refinance | 83% | 41 | 30 |
| Jefferson County, KY | Investment property purchase | 64% | 22 | 14 |
The county markets where University of Kentucky made the most loans. Each link opens that market with every lender ranked.
Questions about University of Kentucky
What is University of Kentucky's mortgage approval rate?
University of Kentucky approved 76.5% of the 3,385 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.0 points above the 70.5% national rate for the same mix of loan types.
How often do borrowers take the loan University of Kentucky offers?
Borrowers accepted 91% of the loans University of Kentucky approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does University of Kentucky make?
The typical home improvement loan loan University of Kentucky made was $65K; across all loan types its typical loan ran from $65K to $175K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does University of Kentucky lend?
University of Kentucky decided applications in 2 of the states Fat Boy Data covers, most of them in Kentucky and Ohio.
Can I apply to University of Kentucky directly?
Yes. University of Kentucky is a bank or credit union with 10 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show University of Kentucky's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how University of Kentucky treats applications, then get a rate quote from the lender.