Desco in Kentucky vs the state
6.7%Denial rate-12.09 pts vs state
9.0%Decision denial rate-14.49 pts vs state
65.7%Origination rate+7.63 pts vs state
6.44%Median rate-0.31 pts vs state
0.06Rate spread (pts)-0.25 pts vs state
$107kMedian applicant income
88Loans originated
9Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 141 | 82 | 13.5% | 6.88% | #153 |
| 2024 | 133 | 84 | 14.3% | 6.81% | #168 |
| 2025 | 134 | 88 | 6.7% | 6.44% | #178 |
What Desco lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Desco applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boyd County | 68 | 40 | 5 | 7.4% |
| Greenup County | 37 | 28 | 4 | 10.8% |
| Carter County | 9 | 6 | 0 | 0.0% |
| Lewis County | 6 | 3 | 0 | 0.0% |
| Fayette County | 4 | 3 | 0 | 0.0% |
| Lawrence County | 2 | 2 | 0 | 0.0% |
| Garrard County | 2 | 1 | 0 | 0.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Johnson 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: 134 applications in 2025, of which 88 were originated and 9 denied.
6.7% of all applications, or 9.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Desco originated in Kentucky in 2025 was 6.44%, against a statewide median of 6.75%.
About this data. Figures are Desco'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