Bellwether Enterprise Real Estate Capital in Kentucky vs the state
10.0%Denial rate-8.81 pts vs state
10.0%Decision denial rate-13.49 pts vs state
90.0%Origination rate+31.96 pts vs state
—Median rate
—Rate spread (pts)
—Median applicant income
18Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7 | 6 | 14.3% | — | #430 |
| 2024 | 7 | 5 | 28.6% | — | #443 |
| 2025 | 20 | 18 | 10.0% | — | #351 |
What Bellwether Enterprise Real Estate Capital lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Bellwether Enterprise Real Estate Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 5 | 2 | 28.6% |
| Fayette County | 3 | 3 | 0 | 0.0% |
| Boone County | 3 | 3 | 0 | 0.0% |
| Kenton County | 3 | 3 | 0 | 0.0% |
| Grant County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 1 | 0 | 0.0% |
| Campbell 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: 20 applications in 2025, of which 18 were originated and 2 denied.
10.0% of all applications, or 10.0% 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 Bellwether Enterprise Real Estate Capital'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