1st Signature Lending in Kentucky vs the state
1.3%Denial rate-17.56 pts vs state
1.7%Decision denial rate-21.77 pts vs state
71.3%Origination rate+13.21 pts vs state
5.88%Median rate-0.88 pts vs state
0.35Rate spread (pts)+0.03 pts vs state
$80kMedian applicant income
57Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 12 | 19.2% | 6.81% | #300 |
| 2024 | 41 | 24 | 4.9% | 6.50% | #267 |
| 2025 | 80 | 57 | 1.3% | 5.88% | #225 |
What 1st Signature Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most 1st Signature Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 1 | 0 | 0 | 0.0% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| Vanderbilt Mortgage and Finance | F | 8,220 | 44.8% | 9.50% |
| United Shore Financial Services | B | 6,871 | 9.8% | 6.50% |
| Fifth Third Bank | D | 5,663 | 25.5% | 7.75% |
| U.S. Bank | D | 4,887 | 29.5% | 7.00% |
| Mortgage Research Center | C | 3,617 | 18.0% | 6.25% |
| PNC Bank | D | 3,585 | 23.7% | 7.40% |
| 21st Mortgage | F | 3,478 | 48.0% | 9.95% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
Frequently asked questions
Kentucky: 80 applications in 2025, of which 57 were originated and 1 denied.
1.3% of all applications, or 1.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans 1st Signature Lending originated in Kentucky in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are 1st Signature Lending's own HMDA filing for properties located in Kentucky, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology