American Internet Mortgage in Kentucky vs the state
21.4%Denial rate+2.62 pts vs state
30.0%Decision denial rate+6.51 pts vs state
50.0%Origination rate-8.04 pts vs state
6.06%Median rate-0.69 pts vs state
-0.12Rate spread (pts)-0.43 pts vs state
$134kMedian applicant income
14Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 9 | 15.4% | 5.75% | #372 |
| 2024 | 11 | 6 | 0.0% | 6.81% | #394 |
| 2025 | 28 | 14 | 21.4% | 6.06% | #319 |
What American Internet Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 6 | 1 | 3 | 50.0% |
| Jefferson County | 4 | 4 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Warren County | 2 | 1 | 0 | 0.0% |
| Jessamine County | 2 | 0 | 1 | 50.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Marshall County | 2 | 0 | 0 | 0.0% |
| Cumberland County | 1 | 0 | 0 | 0.0% |
| Metcalfe County | 1 | 1 | 0 | 0.0% |
| Daviess 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: 28 applications in 2025, of which 14 were originated and 6 denied.
21.4% of all applications, or 30.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans American Internet Mortgage originated in Kentucky in 2025 was 6.06%, against a statewide median of 6.75%.
About this data. Figures are American Internet 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