Banterra Bank in Kentucky vs the state
11.1%Denial rate-7.70 pts vs state
13.3%Decision denial rate-10.16 pts vs state
55.6%Origination rate-2.48 pts vs state
6.75%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.20 pts vs state
$135kMedian applicant income
20Loans originated
4Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 12 | 21.1% | 6.96% | #326 |
| 2024 | 22 | 9 | 13.6% | 6.50% | #329 |
| 2025 | 36 | 20 | 11.1% | 6.75% | #294 |
What Banterra Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Banterra Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McCracken County | 23 | 11 | 3 | 13.0% |
| Marshall County | 2 | 1 | 1 | 50.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Livingston County | 2 | 1 | 0 | 0.0% |
| Simpson County | 1 | 1 | 0 | 0.0% |
| Graves County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Lyon County | 1 | 0 | 0 | 0.0% |
| Union County | 1 | 0 | 0 | 0.0% |
| Hardin 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: 36 applications in 2025, of which 20 were originated and 4 denied.
11.1% of all applications, or 13.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Banterra Bank originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Banterra Bank'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