Commerce Home Mortgage in Kentucky vs the state
14.9%Denial rate-3.92 pts vs state
20.6%Decision denial rate-2.90 pts vs state
57.5%Origination rate-0.59 pts vs state
7.13%Median rate+0.38 pts vs state
0.93Rate spread (pts)+0.62 pts vs state
$153kMedian applicant income
27Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 11 | 16.7% | 8.90% | #285 |
| 2024 | 16 | 9 | 0.0% | 7.38% | #362 |
| 2025 | 47 | 27 | 14.9% | 7.13% | #275 |
What Commerce Home Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Commerce Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 13 | 7 | 4 | 30.8% |
| Madison County | 4 | 1 | 0 | 0.0% |
| Boone County | 4 | 3 | 0 | 0.0% |
| Kenton County | 4 | 3 | 0 | 0.0% |
| McCracken County | 3 | 1 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Fayette County | 2 | 1 | 0 | 0.0% |
| Campbell County | 2 | 2 | 0 | 0.0% |
| Oldham County | 1 | 0 | 1 | 100.0% |
| Grant County | 1 | 1 | 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: 47 applications in 2025, of which 27 were originated and 7 denied.
14.9% of all applications, or 20.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Commerce Home Mortgage originated in Kentucky in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Commerce Home 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