Bank of the Bluegrass and Trust in Kentucky vs the state
7.5%Denial rate-11.31 pts vs state
9.8%Decision denial rate-13.71 pts vs state
67.5%Origination rate+9.46 pts vs state
—Median rate
—Rate spread (pts)
$224kMedian applicant income
81Loans originated
9Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 46 | 18.4% | — | #186 |
| 2024 | 91 | 57 | 9.9% | — | #204 |
| 2025 | 120 | 81 | 7.5% | — | #188 |
What Bank of the Bluegrass and Trust lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Bank of the Bluegrass and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 66 | 50 | 3 | 4.5% |
| Jessamine County | 18 | 12 | 1 | 5.6% |
| Madison County | 9 | 9 | 0 | 0.0% |
| Scott County | 7 | 3 | 1 | 14.3% |
| Bourbon County | 4 | 1 | 1 | 25.0% |
| Franklin County | 3 | 1 | 1 | 33.3% |
| Woodford County | 3 | 2 | 0 | 0.0% |
| Larue County | 2 | 1 | 0 | 0.0% |
| Boyle County | 1 | 1 | 0 | 0.0% |
| Anderson County | 1 | 0 | 1 | 100.0% |
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: 120 applications in 2025, of which 81 were originated and 9 denied.
7.5% of all applications, or 9.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Bank of the Bluegrass and Trust'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