Bank of America in Kentucky vs the state
34.4%Denial rate+15.61 pts vs state
47.2%Decision denial rate+23.68 pts vs state
37.7%Origination rate-20.37 pts vs state
6.25%Median rate-0.50 pts vs state
0.43Rate spread (pts)+0.12 pts vs state
$100kMedian applicant income
255Loans originated
233Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 727 | 199 | 55.3% | 7.24% | #57 |
| 2024 | 589 | 228 | 38.4% | 6.99% | #63 |
| 2025 | 677 | 255 | 34.4% | 6.25% | #65 |
What Bank of America lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Bank of America applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 192 | 92 | 50 | 26.0% |
| Fayette County | 88 | 43 | 23 | 26.1% |
| Kenton County | 32 | 9 | 15 | 46.9% |
| Boone County | 26 | 9 | 5 | 19.2% |
| Oldham County | 25 | 12 | 5 | 20.0% |
| Scott County | 20 | 8 | 9 | 45.0% |
| Warren County | 18 | 9 | 4 | 22.2% |
| Madison County | 15 | 6 | 6 | 40.0% |
| Campbell County | 13 | 7 | 3 | 23.1% |
| Nelson County | 12 | 4 | 5 | 41.7% |
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: 677 applications in 2025, of which 255 were originated and 233 denied.
34.4% of all applications, or 47.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Bank of America originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Bank of America'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