Clearpath Lending in Kentucky vs the state
5.5%Denial rate-13.36 pts vs state
7.0%Decision denial rate-16.51 pts vs state
72.7%Origination rate+14.69 pts vs state
5.63%Median rate-1.13 pts vs state
-0.76Rate spread (pts)-1.07 pts vs state
$80kMedian applicant income
40Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 8 | 37.9% | 6.06% | #289 |
| 2024 | 42 | 32 | 11.9% | 5.75% | #260 |
| 2025 | 55 | 40 | 5.5% | 5.63% | #260 |
What Clearpath Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Clearpath Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 14 | 11 | 1 | 7.1% |
| Bullitt County | 4 | 3 | 0 | 0.0% |
| Nelson County | 3 | 2 | 0 | 0.0% |
| Christian County | 3 | 2 | 0 | 0.0% |
| Boyd County | 2 | 2 | 0 | 0.0% |
| Hardin County | 2 | 2 | 0 | 0.0% |
| Boone County | 2 | 2 | 0 | 0.0% |
| Madison County | 2 | 1 | 0 | 0.0% |
| Kenton County | 2 | 1 | 0 | 0.0% |
| Marshall County | 2 | 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: 55 applications in 2025, of which 40 were originated and 3 denied.
5.5% of all applications, or 7.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Clearpath Lending originated in Kentucky in 2025 was 5.63%, against a statewide median of 6.75%.
About this data. Figures are Clearpath Lending'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