BMO Bank in Kentucky vs the state
50.0%Denial rate+31.19 pts vs state
81.8%Decision denial rate+58.33 pts vs state
11.1%Origination rate-46.93 pts vs state
7.68%Median rate+0.92 pts vs state
0.78Rate spread (pts)+0.47 pts vs state
$194kMedian applicant income
2Loans originated
9Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 11 | 34.5% | 6.13% | #290 |
| 2024 | 33 | 11 | 45.5% | 7.50% | #287 |
| 2025 | 18 | 2 | 50.0% | 7.68% | #365 |
What BMO Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most BMO Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boyd County | 4 | 0 | 2 | 50.0% |
| Bullitt County | 3 | 0 | 3 | 100.0% |
| Jefferson County | 2 | 0 | 1 | 50.0% |
| Fayette County | 2 | 0 | 1 | 50.0% |
| Boyle County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 0 | 0 | 0.0% |
| Oldham County | 1 | 0 | 1 | 100.0% |
| Jessamine County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 0 | 1 | 100.0% |
| Kenton County | 1 | 0 | 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: 18 applications in 2025, of which 2 were originated and 9 denied.
50.0% of all applications, or 81.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans BMO Bank originated in Kentucky in 2025 was 7.68%, against a statewide median of 6.75%.
About this data. Figures are BMO 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