Commercial Lender in Kentucky vs the state
68.4%Denial rate+49.61 pts vs state
81.3%Decision denial rate+57.76 pts vs state
15.8%Origination rate-42.25 pts vs state
11.95%Median rate+5.20 pts vs state
—Rate spread (pts)
—Median applicant income
3Loans originated
13Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 3 | 31.4% | 11.74% | #268 |
| 2024 | 26 | 2 | 42.3% | 10.99% | #309 |
| 2025 | 19 | 3 | 68.4% | 11.95% | #354 |
What Commercial Lender lends in Kentucky
By loan purpose
By loan type
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: 19 applications in 2025, of which 3 were originated and 13 denied.
68.4% of all applications, or 81.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Commercial Lender originated in Kentucky in 2025 was 11.95%, against a statewide median of 6.75%.
About this data. Figures are Commercial Lender'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