American Heritage Lending in Kentucky vs the state
0.9%Denial rate-17.89 pts vs state
1.2%Decision denial rate-22.27 pts vs state
57.8%Origination rate-0.24 pts vs state
7.13%Median rate+0.38 pts vs state
0.86Rate spread (pts)+0.55 pts vs state
$74kMedian applicant income
63Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 56 | 43 | 0.0% | 8.50% | #227 |
| 2024 | 75 | 44 | 4.0% | 8.00% | #215 |
| 2025 | 109 | 63 | 0.9% | 7.13% | #198 |
What American Heritage Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 65 | 39 | 0 | 0.0% |
| Franklin County | 5 | 1 | 0 | 0.0% |
| Bullitt County | 4 | 2 | 0 | 0.0% |
| Warren County | 4 | 0 | 0 | 0.0% |
| Hardin County | 4 | 3 | 0 | 0.0% |
| Kenton County | 4 | 3 | 0 | 0.0% |
| Allen County | 3 | 2 | 0 | 0.0% |
| Boone County | 3 | 3 | 0 | 0.0% |
| McCracken County | 2 | 0 | 0 | 0.0% |
| McCreary County | 2 | 0 | 1 | 50.0% |
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: 109 applications in 2025, of which 63 were originated and 1 denied.
0.9% of all applications, or 1.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans American Heritage Lending originated in Kentucky in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are American Heritage Lending'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