Commonwealth in Kentucky vs the state
24.9%Denial rate+6.11 pts vs state
30.0%Decision denial rate+6.48 pts vs state
57.2%Origination rate-0.88 pts vs state
7.25%Median rate+0.50 pts vs state
0.24Rate spread (pts)-0.07 pts vs state
$98kMedian applicant income
1,869Loans originated
815Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,740 | 1,772 | 21.9% | 8.25% | #10 |
| 2024 | 2,573 | 1,532 | 23.2% | 8.25% | #11 |
| 2025 | 3,270 | 1,869 | 24.9% | 7.25% | #9 |
What Commonwealth lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Commonwealth applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 445 | 296 | 82 | 18.4% |
| Franklin County | 442 | 282 | 78 | 17.6% |
| Jefferson County | 425 | 232 | 124 | 29.2% |
| Anderson County | 213 | 114 | 65 | 30.5% |
| Scott County | 206 | 131 | 47 | 22.8% |
| Shelby County | 163 | 94 | 50 | 30.7% |
| Madison County | 145 | 79 | 33 | 22.8% |
| Jessamine County | 100 | 53 | 24 | 24.0% |
| Woodford County | 97 | 59 | 24 | 24.7% |
| Mercer County | 77 | 46 | 20 | 26.0% |
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% |
| Stockton Mortgage | D | 3,255 | 6.1% | 6.63% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 3,270 applications in 2025, of which 1,869 were originated and 815 denied.
24.9% of all applications, or 30.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Commonwealth originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Commonwealth'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