American Financing in Kentucky vs the state
41.8%Denial rate+22.98 pts vs state
53.4%Decision denial rate+29.93 pts vs state
25.0%Origination rate-33.04 pts vs state
6.25%Median rate-0.50 pts vs state
0.26Rate spread (pts)-0.06 pts vs state
$73kMedian applicant income
70Loans originated
117Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 104 | 25 | 39.4% | 6.63% | #173 |
| 2024 | 241 | 50 | 57.7% | 6.00% | #116 |
| 2025 | 280 | 70 | 41.8% | 6.25% | #115 |
What American Financing lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most American Financing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 31 | 4 | 15 | 48.4% |
| Fayette County | 18 | 8 | 5 | 27.8% |
| Boone County | 12 | 1 | 7 | 58.3% |
| Kenton County | 11 | 5 | 3 | 27.3% |
| Campbell County | 9 | 3 | 2 | 22.2% |
| Hardin County | 8 | 2 | 5 | 62.5% |
| Pulaski County | 8 | 4 | 3 | 37.5% |
| Anderson County | 6 | 1 | 2 | 33.3% |
| Daviess County | 6 | 2 | 2 | 33.3% |
| Bullitt County | 6 | 1 | 1 | 16.7% |
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: 280 applications in 2025, of which 70 were originated and 117 denied.
41.8% of all applications, or 53.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans American Financing originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are American Financing'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