A&D Mortgage in Kentucky vs the state
7.6%Denial rate-11.22 pts vs state
10.4%Decision denial rate-13.06 pts vs state
63.9%Origination rate+5.88 pts vs state
6.63%Median rate-0.13 pts vs state
0.40Rate spread (pts)+0.09 pts vs state
$103kMedian applicant income
101Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 19 | 0.0% | 8.38% | #306 |
| 2024 | 28 | 13 | 3.6% | 7.99% | #302 |
| 2025 | 158 | 101 | 7.6% | 6.63% | #165 |
What A&D Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most A&D Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 79 | 47 | 9 | 11.4% |
| Oldham County | 9 | 7 | 0 | 0.0% |
| Bullitt County | 9 | 8 | 0 | 0.0% |
| Shelby County | 8 | 3 | 0 | 0.0% |
| Hardin County | 7 | 5 | 0 | 0.0% |
| Fayette County | 7 | 4 | 1 | 14.3% |
| Campbell County | 4 | 3 | 0 | 0.0% |
| Warren County | 4 | 2 | 0 | 0.0% |
| Nelson County | 3 | 2 | 0 | 0.0% |
| Spencer County | 3 | 2 | 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: 158 applications in 2025, of which 101 were originated and 12 denied.
7.6% of all applications, or 10.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans A&D Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are A&D 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