AmeriSave Mortgage in Kentucky vs the state
57.8%Denial rate+38.98 pts vs state
65.0%Decision denial rate+41.55 pts vs state
30.3%Origination rate-27.78 pts vs state
7.63%Median rate+0.88 pts vs state
1.79Rate spread (pts)+1.48 pts vs state
$60kMedian applicant income
532Loans originated
1,016Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,896 | 345 | 23.4% | 6.25% | #19 |
| 2024 | 1,892 | 373 | 65.9% | 6.88% | #19 |
| 2025 | 1,758 | 532 | 57.8% | 7.63% | #25 |
What AmeriSave Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most AmeriSave Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 318 | 105 | 175 | 55.0% |
| Fayette County | 72 | 27 | 40 | 55.6% |
| Kenton County | 69 | 25 | 34 | 49.3% |
| Hardin County | 59 | 19 | 30 | 50.8% |
| Boone County | 53 | 26 | 25 | 47.2% |
| Bullitt County | 49 | 18 | 24 | 49.0% |
| Warren County | 41 | 16 | 22 | 53.7% |
| Daviess County | 38 | 9 | 24 | 63.2% |
| Campbell County | 33 | 13 | 17 | 51.5% |
| Oldham County | 28 | 10 | 13 | 46.4% |
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: 1,758 applications in 2025, of which 532 were originated and 1,016 denied.
57.8% of all applications, or 65.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans AmeriSave Mortgage originated in Kentucky in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are AmeriSave 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