Bay Equity in Kentucky vs the state
5.1%Denial rate-13.74 pts vs state
6.2%Decision denial rate-17.31 pts vs state
76.5%Origination rate+18.46 pts vs state
6.75%Median rate0.00 pts vs state
0.31Rate spread (pts)0.00 pts vs state
$77kMedian applicant income
166Loans originated
11Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 75 | 53 | 5.3% | 6.75% | #202 |
| 2024 | 100 | 70 | 1.0% | 6.63% | #192 |
| 2025 | 217 | 166 | 5.1% | 6.75% | #139 |
What Bay Equity lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Bay Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 94 | 77 | 1 | 1.1% |
| Warren County | 21 | 13 | 4 | 19.0% |
| Edmonson County | 16 | 8 | 2 | 12.5% |
| Bullitt County | 13 | 12 | 0 | 0.0% |
| Barren County | 9 | 6 | 1 | 11.1% |
| Nelson County | 8 | 8 | 0 | 0.0% |
| Shelby County | 7 | 4 | 1 | 14.3% |
| Fayette County | 6 | 4 | 0 | 0.0% |
| Hardin County | 4 | 4 | 0 | 0.0% |
| Hart County | 4 | 3 | 1 | 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: 217 applications in 2025, of which 166 were originated and 11 denied.
5.1% of all applications, or 6.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Bay Equity originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Bay Equity'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