Champions Funding in Kentucky vs the state
17.4%Denial rate-1.42 pts vs state
24.2%Decision denial rate+0.75 pts vs state
54.4%Origination rate-3.69 pts vs state
7.50%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
25Loans originated
8Denied
What Champions Funding lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Champions Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 13 | 8 | 0 | 0.0% |
| Jefferson County | 9 | 6 | 0 | 0.0% |
| Rowan County | 6 | 1 | 4 | 66.7% |
| Campbell County | 3 | 2 | 0 | 0.0% |
| Boyle County | 2 | 1 | 1 | 50.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Jessamine County | 1 | 0 | 1 | 100.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
| Woodford 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: 46 applications in 2025, of which 25 were originated and 8 denied.
17.4% of all applications, or 24.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Champions Funding originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Champions Funding'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