American Financial Network in Kentucky vs the state
9.2%Denial rate-9.65 pts vs state
14.0%Decision denial rate-9.54 pts vs state
56.5%Origination rate-1.55 pts vs state
7.25%Median rate+0.50 pts vs state
1.53Rate spread (pts)+1.22 pts vs state
$82kMedian applicant income
74Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 98 | 58 | 7.1% | 7.13% | #180 |
| 2024 | 103 | 67 | 6.8% | 6.88% | #187 |
| 2025 | 131 | 74 | 9.2% | 7.25% | #180 |
What American Financial Network lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 37 | 20 | 4 | 10.8% |
| Campbell County | 10 | 8 | 0 | 0.0% |
| Warren County | 8 | 5 | 1 | 12.5% |
| Boone County | 6 | 5 | 0 | 0.0% |
| Bullitt County | 5 | 3 | 0 | 0.0% |
| Christian County | 4 | 1 | 0 | 0.0% |
| Kenton County | 4 | 2 | 0 | 0.0% |
| Hardin County | 3 | 1 | 1 | 33.3% |
| Madison County | 3 | 2 | 1 | 33.3% |
| Logan 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: 131 applications in 2025, of which 74 were originated and 12 denied.
9.2% of all applications, or 14.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans American Financial Network originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are American Financial Network'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