Carrington Mortgage Services in Kentucky vs the state
43.2%Denial rate+24.43 pts vs state
51.4%Decision denial rate+27.93 pts vs state
34.9%Origination rate-23.16 pts vs state
6.63%Median rate-0.13 pts vs state
0.67Rate spread (pts)+0.36 pts vs state
$78kMedian applicant income
263Loans originated
326Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 734 | 248 | 46.5% | 6.44% | #55 |
| 2024 | 700 | 247 | 40.9% | 6.63% | #57 |
| 2025 | 754 | 263 | 43.2% | 6.63% | #57 |
What Carrington Mortgage Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Carrington Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 115 | 31 | 50 | 43.5% |
| Kenton County | 44 | 16 | 18 | 40.9% |
| Hardin County | 41 | 16 | 15 | 36.6% |
| Fayette County | 31 | 13 | 13 | 41.9% |
| Boone County | 30 | 14 | 10 | 33.3% |
| Daviess County | 26 | 6 | 13 | 50.0% |
| Campbell County | 23 | 4 | 13 | 56.5% |
| Madison County | 20 | 6 | 8 | 40.0% |
| Warren County | 17 | 6 | 6 | 35.3% |
| Bullitt County | 15 | 5 | 6 | 40.0% |
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: 754 applications in 2025, of which 263 were originated and 326 denied.
43.2% of all applications, or 51.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Carrington Mortgage Services originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Carrington Mortgage Services'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