Calcon Mutual Mortgage in Kentucky vs the state
21.7%Denial rate+2.93 pts vs state
27.8%Decision denial rate+4.29 pts vs state
56.5%Origination rate-1.52 pts vs state
6.75%Median rate0.00 pts vs state
0.62Rate spread (pts)+0.31 pts vs state
$68kMedian applicant income
13Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 30.0% | 7.25% | #397 |
| 2024 | 40 | 18 | 17.5% | 6.69% | #271 |
| 2025 | 23 | 13 | 21.7% | 6.75% | #339 |
What Calcon Mutual Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Calcon Mutual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2 | 0 | 2 | 100.0% |
| Clark County | 2 | 1 | 1 | 50.0% |
| Menifee County | 2 | 1 | 1 | 50.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
| Ohio County | 2 | 0 | 0 | 0.0% |
| Fayette County | 2 | 1 | 0 | 0.0% |
| Henderson County | 2 | 1 | 1 | 50.0% |
| Bourbon County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Harrison 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: 23 applications in 2025, of which 13 were originated and 5 denied.
21.7% of all applications, or 27.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Calcon Mutual Mortgage originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Calcon Mutual Mortgage'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