Atlanta Postal in Kentucky vs the state
52.6%Denial rate+33.82 pts vs state
62.5%Decision denial rate+39.01 pts vs state
31.6%Origination rate-26.46 pts vs state
8.25%Median rate+1.50 pts vs state
1.27Rate spread (pts)+0.96 pts vs state
$62kMedian applicant income
6Loans originated
10Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 13 | 4 | 46.2% | 6.75% | #379 |
| 2025 | 19 | 6 | 52.6% | 8.25% | #355 |
What Atlanta Postal lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Atlanta Postal applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 2 | 1 | 1 | 50.0% |
| Trigg County | 2 | 1 | 0 | 0.0% |
| Pike County | 2 | 0 | 1 | 50.0% |
| Pendleton County | 2 | 0 | 2 | 100.0% |
| Johnson County | 1 | 0 | 1 | 100.0% |
| Ohio County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 1 | 100.0% |
| Adair County | 1 | 0 | 0 | 0.0% |
| Boyle County | 1 | 1 | 0 | 0.0% |
| Fayette 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: 19 applications in 2025, of which 6 were originated and 10 denied.
52.6% of all applications, or 62.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Atlanta Postal originated in Kentucky in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are Atlanta Postal'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