CSL Financial in Kentucky vs the state
51.5%Denial rate+32.68 pts vs state
84.8%Decision denial rate+61.29 pts vs state
9.2%Origination rate-48.80 pts vs state
8.84%Median rate+2.09 pts vs state
2.82Rate spread (pts)+2.50 pts vs state
$69kMedian applicant income
28Loans originated
156Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 99 | 13 | 56.6% | 8.39% | #177 |
| 2024 | 375 | 37 | 49.6% | 8.59% | #87 |
| 2025 | 303 | 28 | 51.5% | 8.84% | #109 |
What CSL Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most CSL Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 4 | 4 | 0 | 0.0% |
| Jackson County | 2 | 2 | 0 | 0.0% |
| Clay County | 2 | 2 | 0 | 0.0% |
| Johnson County | 2 | 2 | 0 | 0.0% |
| Christian County | 1 | 1 | 0 | 0.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
| Whitley County | 1 | 1 | 0 | 0.0% |
| Letcher County | 1 | 1 | 0 | 0.0% |
| Meade County | 1 | 1 | 0 | 0.0% |
| Breckinridge 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: 303 applications in 2025, of which 28 were originated and 156 denied.
51.5% of all applications, or 84.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans CSL Financial originated in Kentucky in 2025 was 8.84%, against a statewide median of 6.75%.
About this data. Figures are CSL Financial'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