Bedford Loan & Deposit Bank in Kentucky vs the state
4.7%Denial rate-14.12 pts vs state
4.8%Decision denial rate-18.65 pts vs state
84.4%Origination rate+26.34 pts vs state
—Median rate
—Rate spread (pts)
$76kMedian applicant income
54Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 81 | 9.1% | — | #178 |
| 2024 | 53 | 41 | 5.7% | — | #239 |
| 2025 | 64 | 54 | 4.7% | — | #244 |
What Bedford Loan & Deposit Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Bedford Loan & Deposit Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Trimble County | 35 | 31 | 1 | 2.9% |
| Henry County | 16 | 14 | 0 | 0.0% |
| Carroll County | 6 | 4 | 0 | 0.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Spencer 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: 64 applications in 2025, of which 54 were originated and 3 denied.
4.7% of all applications, or 4.8% 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 Bedford Loan & Deposit 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