Bayshore Mortgage Funding in Kentucky vs the state
5.2%Denial rate-13.64 pts vs state
7.0%Decision denial rate-16.51 pts vs state
69.0%Origination rate+10.93 pts vs state
6.75%Median rate0.00 pts vs state
0.95Rate spread (pts)+0.64 pts vs state
$76kMedian applicant income
40Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 109 | 4.3% | 6.88% | #154 |
| 2024 | 153 | 116 | 5.9% | 7.00% | #152 |
| 2025 | 58 | 40 | 5.2% | 6.75% | #251 |
What Bayshore Mortgage Funding lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Bayshore Mortgage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenup County | 23 | 17 | 1 | 4.3% |
| Campbell County | 7 | 4 | 0 | 0.0% |
| Kenton County | 5 | 5 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 0 | 0.0% |
| Whitley County | 2 | 1 | 0 | 0.0% |
| Lewis County | 2 | 2 | 0 | 0.0% |
| Logan County | 2 | 1 | 0 | 0.0% |
| Johnson County | 1 | 0 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Harrison 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: 58 applications in 2025, of which 40 were originated and 3 denied.
5.2% of all applications, or 7.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Bayshore Mortgage Funding originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Bayshore Mortgage Funding'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