Churchill Mortgage in Kentucky vs the state
2.2%Denial rate-16.61 pts vs state
2.7%Decision denial rate-20.82 pts vs state
70.3%Origination rate+12.29 pts vs state
6.25%Median rate-0.50 pts vs state
0.30Rate spread (pts)-0.01 pts vs state
$83kMedian applicant income
128Loans originated
4Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 85 | 3.3% | 6.88% | #161 |
| 2024 | 152 | 98 | 5.9% | 6.88% | #156 |
| 2025 | 182 | 128 | 2.2% | 6.25% | #154 |
What Churchill Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Churchill Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Daviess County | 25 | 23 | 0 | 0.0% |
| Henderson County | 22 | 14 | 0 | 0.0% |
| Boone County | 12 | 7 | 0 | 0.0% |
| Jefferson County | 11 | 10 | 0 | 0.0% |
| Fayette County | 8 | 6 | 0 | 0.0% |
| Warren County | 5 | 3 | 0 | 0.0% |
| Campbell County | 5 | 5 | 0 | 0.0% |
| Kenton County | 5 | 3 | 0 | 0.0% |
| Franklin County | 4 | 2 | 0 | 0.0% |
| Calloway County | 4 | 2 | 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: 182 applications in 2025, of which 128 were originated and 4 denied.
2.2% of all applications, or 2.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Churchill Mortgage originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Churchill 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