Finance Atlas

Banking & Mortgage-Lending Access in Kentucky

549 FDIC-insured institutions (120 currently active) are recorded in Kentucky in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 26.0% in Kentucky.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

549
FDIC institutions (total)
120
Currently active
26.0%
Overall denial rate (HMDA 2024)
89,008
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in Kentucky?

FDIC BankFind records 549 FDIC-insured institutions (all historical) in Kentucky, of which 120 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 549
Currently active 120

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in Kentucky?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for Kentucky:

Charter class Description Count
NM State non-member bank (Fed non-member) 292
N National bank (OCC-chartered) 97
SL Savings institution (state-chartered S&L) 57
SB Savings bank (state-chartered) 55
SM State member bank (Fed member) 47
NC Non-deposit trust company 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in Kentucky? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 26.0% in Kentucky. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 26.0%
White applicants 25.3%
Black applicants 32.7%
Black/White denial rate ratio 1.29x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=KY

Mortgage origination volume in Kentucky (2024)

HMDA 2024 data record 89,008 originated mortgage loans in Kentucky , totaling $19.5B , with an average loan size of $219,221.

Metric Value
Originated loans (2024) 89,008
Total origination volume $19.5B
Average loan size $219,221

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=KY

Data exported June 20, 2026 · content hash 9bff96eb9f96eaf1 · machine-readable brief: /finance/states/ky/context.md

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