21st Mortgage in Kentucky vs the state
48.0%Denial rate+29.18 pts vs state
75.9%Decision denial rate+52.37 pts vs state
14.5%Origination rate-43.52 pts vs state
9.95%Median rate+3.20 pts vs state
4.40Rate spread (pts)+4.08 pts vs state
$64kMedian applicant income
505Loans originated
1,669Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,551 | 527 | 48.4% | 9.70% | #7 |
| 2024 | 3,500 | 596 | 47.3% | 9.96% | #7 |
| 2025 | 3,478 | 505 | 48.0% | 9.95% | #8 |
What 21st Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 185 | 23 | 100 | 54.1% |
| Laurel County | 172 | 24 | 83 | 48.3% |
| Jefferson County | 152 | 30 | 65 | 42.8% |
| Madison County | 123 | 10 | 66 | 53.7% |
| Pulaski County | 104 | 14 | 55 | 52.9% |
| Whitley County | 79 | 12 | 44 | 55.7% |
| Lincoln County | 78 | 12 | 39 | 50.0% |
| Grant County | 75 | 10 | 40 | 53.3% |
| Rockcastle County | 74 | 11 | 31 | 41.9% |
| Perry County | 73 | 7 | 35 | 47.9% |
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% |
| Commonwealth | C | 3,270 | 24.9% | 7.25% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 3,478 applications in 2025, of which 505 were originated and 1,669 denied.
48.0% of all applications, or 75.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans 21st Mortgage originated in Kentucky in 2025 was 9.95%, against a statewide median of 6.75%.
About this data. Figures are 21st Mortgage'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