American Pacific Mortgage in Kentucky vs the state
14.4%Denial rate-4.39 pts vs state
17.2%Decision denial rate-6.25 pts vs state
69.2%Origination rate+11.19 pts vs state
6.93%Median rate+0.18 pts vs state
0.74Rate spread (pts)+0.43 pts vs state
$95kMedian applicant income
72Loans originated
15Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 177 | 126 | 5.7% | 6.93% | #138 |
| 2024 | 149 | 113 | 5.4% | 7.13% | #159 |
| 2025 | 104 | 72 | 14.4% | 6.93% | #203 |
What American Pacific Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 29 | 20 | 5 | 17.2% |
| Boone County | 16 | 13 | 0 | 0.0% |
| Campbell County | 11 | 8 | 3 | 27.3% |
| Bell County | 8 | 4 | 2 | 25.0% |
| Jefferson County | 5 | 3 | 2 | 40.0% |
| Harlan County | 4 | 3 | 1 | 25.0% |
| Logan County | 3 | 0 | 0 | 0.0% |
| Bullitt County | 2 | 2 | 0 | 0.0% |
| Simpson County | 2 | 2 | 0 | 0.0% |
| Bracken County | 2 | 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: 104 applications in 2025, of which 72 were originated and 15 denied.
14.4% of all applications, or 17.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans American Pacific Mortgage originated in Kentucky in 2025 was 6.93%, against a statewide median of 6.75%.
About this data. Figures are American Pacific 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