Atlantic Bay Mortgage Group in Kentucky vs the state
2.5%Denial rate-16.35 pts vs state
3.2%Decision denial rate-20.28 pts vs state
73.7%Origination rate+15.63 pts vs state
6.38%Median rate-0.38 pts vs state
0.29Rate spread (pts)-0.02 pts vs state
$79kMedian applicant income
389Loans originated
13Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 800 | 593 | 2.0% | 6.75% | #51 |
| 2024 | 696 | 559 | 1.7% | 6.75% | #59 |
| 2025 | 528 | 389 | 2.5% | 6.38% | #77 |
What Atlantic Bay Mortgage Group lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 225 | 174 | 0 | 0.0% |
| Barren County | 83 | 62 | 5 | 6.0% |
| Simpson County | 38 | 27 | 0 | 0.0% |
| Allen County | 36 | 24 | 2 | 5.6% |
| Logan County | 30 | 22 | 0 | 0.0% |
| Hart County | 18 | 9 | 1 | 5.6% |
| Edmonson County | 10 | 9 | 0 | 0.0% |
| Pulaski County | 9 | 8 | 0 | 0.0% |
| Butler County | 8 | 6 | 0 | 0.0% |
| Metcalfe County | 8 | 5 | 2 | 25.0% |
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: 528 applications in 2025, of which 389 were originated and 13 denied.
2.5% of all applications, or 3.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Atlantic Bay Mortgage Group originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Atlantic Bay Mortgage Group'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