Crosscountry Mortgage in Kentucky vs the state
4.3%Denial rate-14.56 pts vs state
6.4%Decision denial rate-17.14 pts vs state
61.6%Origination rate+3.59 pts vs state
6.75%Median rate0.00 pts vs state
0.50Rate spread (pts)+0.19 pts vs state
$83kMedian applicant income
914Loans originated
63Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,311 | 641 | 2.8% | 6.75% | #27 |
| 2024 | 1,230 | 712 | 3.2% | 6.75% | #34 |
| 2025 | 1,483 | 914 | 4.3% | 6.75% | #30 |
What Crosscountry Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Crosscountry Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 307 | 199 | 15 | 4.9% |
| Kenton County | 232 | 167 | 3 | 1.3% |
| Boone County | 137 | 104 | 3 | 2.2% |
| Campbell County | 98 | 70 | 2 | 2.0% |
| Hardin County | 52 | 35 | 3 | 5.8% |
| Oldham County | 35 | 25 | 1 | 2.9% |
| Fayette County | 27 | 15 | 3 | 11.1% |
| Bullitt County | 24 | 11 | 1 | 4.2% |
| Grant County | 22 | 18 | 0 | 0.0% |
| Christian County | 22 | 9 | 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: 1,483 applications in 2025, of which 914 were originated and 63 denied.
4.3% of all applications, or 6.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Crosscountry Mortgage originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Crosscountry 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