American Financial Resources in Kentucky vs the state
5.8%Denial rate-13.04 pts vs state
7.0%Decision denial rate-16.47 pts vs state
76.0%Origination rate+17.92 pts vs state
6.63%Median rate-0.13 pts vs state
0.42Rate spread (pts)+0.11 pts vs state
$86kMedian applicant income
316Loans originated
24Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 53 | 11.5% | 7.25% | #188 |
| 2024 | 296 | 217 | 6.4% | 6.75% | #99 |
| 2025 | 416 | 316 | 5.8% | 6.63% | #89 |
What American Financial Resources lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most American Financial Resources applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 94 | 76 | 1 | 1.1% |
| Kenton County | 57 | 46 | 0 | 0.0% |
| Boone County | 26 | 20 | 3 | 11.5% |
| Campbell County | 16 | 12 | 1 | 6.3% |
| Bullitt County | 15 | 14 | 0 | 0.0% |
| Oldham County | 10 | 9 | 1 | 10.0% |
| Laurel County | 10 | 5 | 0 | 0.0% |
| Daviess County | 8 | 7 | 1 | 12.5% |
| Nelson County | 8 | 3 | 1 | 12.5% |
| Hardin County | 7 | 6 | 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: 416 applications in 2025, of which 316 were originated and 24 denied.
5.8% of all applications, or 7.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans American Financial Resources originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are American Financial Resources'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