Bell Bank in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
20.0%Decision denial rate-3.49 pts vs state
80.0%Origination rate+21.96 pts vs state
6.56%Median rate-0.19 pts vs state
0.68Rate spread (pts)+0.37 pts vs state
$65kMedian applicant income
4Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 4 | 0.0% | 7.31% | #469 |
| 2025 | 5 | 4 | 20.0% | 6.56% | #483 |
What Bell Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Bell Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Hancock 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: 5 applications in 2025, of which 4 were originated and 1 denied.
20.0% of all applications, or 20.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Bell Bank originated in Kentucky in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are Bell 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