Deephaven Mortgage in Kentucky vs the state
26.1%Denial rate+7.31 pts vs state
29.4%Decision denial rate+5.92 pts vs state
62.7%Origination rate+4.65 pts vs state
7.38%Median rate+0.63 pts vs state
1.71Rate spread (pts)+1.40 pts vs state
$140kMedian applicant income
84Loans originated
35Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 19 | 14 | 21.1% | 8.81% | #324 |
| 2024 | 45 | 30 | 26.7% | 7.99% | #249 |
| 2025 | 134 | 84 | 26.1% | 7.38% | #177 |
What Deephaven Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Deephaven Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 54 | 35 | 13 | 24.1% |
| Kenton County | 9 | 6 | 1 | 11.1% |
| Fayette County | 7 | 5 | 2 | 28.6% |
| Boone County | 7 | 6 | 1 | 14.3% |
| Daviess County | 6 | 4 | 1 | 16.7% |
| Rowan County | 5 | 4 | 1 | 20.0% |
| Boyd County | 5 | 3 | 1 | 20.0% |
| Calloway County | 5 | 3 | 1 | 20.0% |
| Campbell County | 4 | 1 | 3 | 75.0% |
| Jessamine County | 4 | 3 | 1 | 25.0% |
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: 134 applications in 2025, of which 84 were originated and 35 denied.
26.1% of all applications, or 29.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Deephaven Mortgage originated in Kentucky in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Deephaven 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