Consumer Real Estate Finance in Kentucky vs the state
42.2%Denial rate+23.35 pts vs state
47.3%Decision denial rate+23.76 pts vs state
47.1%Origination rate-10.98 pts vs state
6.88%Median rate+0.13 pts vs state
0.91Rate spread (pts)+0.60 pts vs state
$65kMedian applicant income
48Loans originated
43Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 59 | 20 | 18.6% | 7.19% | #221 |
| 2024 | 67 | 27 | 29.9% | 7.25% | #222 |
| 2025 | 102 | 48 | 42.2% | 6.88% | #208 |
What Consumer Real Estate Finance lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Consumer Real Estate Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 6 | 3 | 2 | 33.3% |
| Scott County | 5 | 3 | 1 | 20.0% |
| Campbell County | 4 | 0 | 2 | 50.0% |
| Jefferson County | 4 | 1 | 2 | 50.0% |
| Johnson County | 4 | 2 | 2 | 50.0% |
| Boyd County | 4 | 2 | 2 | 50.0% |
| Madison County | 3 | 1 | 2 | 66.7% |
| Christian County | 3 | 2 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Greenup County | 3 | 1 | 2 | 66.7% |
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: 102 applications in 2025, of which 48 were originated and 43 denied.
42.2% of all applications, or 47.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Consumer Real Estate Finance originated in Kentucky in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Consumer Real Estate Finance'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