Alcova Mortgage in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
21.4%Decision denial rate-2.06 pts vs state
53.3%Origination rate-4.71 pts vs state
6.50%Median rate-0.25 pts vs state
0.41Rate spread (pts)+0.10 pts vs state
$62kMedian applicant income
8Loans originated
3Denied
What Alcova Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Alcova Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 4 | 2 | 1 | 25.0% |
| Harrison County | 3 | 2 | 0 | 0.0% |
| Daviess County | 2 | 1 | 1 | 50.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Trimble County | 1 | 0 | 0 | 0.0% |
| Menifee County | 1 | 0 | 0 | 0.0% |
| Pendleton County | 1 | 1 | 0 | 0.0% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Clark County | 1 | 1 | 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: 15 applications in 2025, of which 8 were originated and 3 denied.
20.0% of all applications, or 21.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Alcova Mortgage originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Alcova 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