Acopia in Kentucky vs the state
2.9%Denial rate-15.87 pts vs state
3.2%Decision denial rate-20.26 pts vs state
82.4%Origination rate+24.31 pts vs state
6.25%Median rate-0.50 pts vs state
0.34Rate spread (pts)+0.02 pts vs state
$84kMedian applicant income
28Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 9 | 5.6% | 6.75% | #333 |
| 2024 | 27 | 25 | 3.7% | 6.63% | #306 |
| 2025 | 34 | 28 | 2.9% | 6.25% | #300 |
What Acopia lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Acopia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 9 | 7 | 0 | 0.0% |
| Simpson County | 8 | 8 | 0 | 0.0% |
| Logan County | 6 | 5 | 0 | 0.0% |
| Warren County | 3 | 2 | 0 | 0.0% |
| Barren County | 2 | 1 | 0 | 0.0% |
| Todd County | 2 | 2 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Caldwell County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Muhlenberg County | 1 | 0 | 1 | 100.0% |
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: 34 applications in 2025, of which 28 were originated and 1 denied.
2.9% of all applications, or 3.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Acopia originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Acopia'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