Click n' Close in Kentucky vs the state
5.2%Denial rate-13.61 pts vs state
7.4%Decision denial rate-16.10 pts vs state
64.0%Origination rate+5.96 pts vs state
7.00%Median rate+0.25 pts vs state
2.21Rate spread (pts)+1.90 pts vs state
$79kMedian applicant income
160Loans originated
13Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 209 | 143 | 2.9% | 7.13% | #119 |
| 2024 | 225 | 148 | 1.8% | 7.13% | #124 |
| 2025 | 250 | 160 | 5.2% | 7.00% | #127 |
What Click n' Close lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 74 | 39 | 9 | 12.2% |
| Bullitt County | 14 | 10 | 0 | 0.0% |
| Madison County | 12 | 6 | 0 | 0.0% |
| Boyd County | 12 | 11 | 0 | 0.0% |
| Fayette County | 10 | 6 | 1 | 10.0% |
| Barren County | 9 | 8 | 0 | 0.0% |
| Carter County | 6 | 5 | 0 | 0.0% |
| Christian County | 6 | 5 | 1 | 16.7% |
| Daviess County | 6 | 3 | 0 | 0.0% |
| Logan County | 5 | 4 | 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: 250 applications in 2025, of which 160 were originated and 13 denied.
5.2% of all applications, or 7.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Click n' Close originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Click n' Close'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