Dhi Mortgage Company in Kentucky vs the state
11.9%Denial rate-6.91 pts vs state
14.6%Decision denial rate-8.91 pts vs state
69.4%Origination rate+11.35 pts vs state
5.50%Median rate-1.25 pts vs state
-0.79Rate spread (pts)-1.10 pts vs state
$90kMedian applicant income
204Loans originated
35Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 61 | 2.6% | 5.50% | #201 |
| 2024 | 116 | 88 | 7.8% | 5.50% | #175 |
| 2025 | 294 | 204 | 11.9% | 5.50% | #112 |
What Dhi Mortgage Company lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Dhi Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hardin County | 92 | 68 | 7 | 7.6% |
| Jefferson County | 57 | 39 | 10 | 17.5% |
| Shelby County | 33 | 22 | 6 | 18.2% |
| Warren County | 31 | 19 | 5 | 16.1% |
| Henry County | 29 | 22 | 3 | 10.3% |
| Madison County | 21 | 14 | 0 | 0.0% |
| Scott County | 16 | 11 | 1 | 6.3% |
| Bullitt County | 12 | 9 | 2 | 16.7% |
| Boone County | 1 | 0 | 1 | 100.0% |
| Hart County | 1 | 0 | 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: 294 applications in 2025, of which 204 were originated and 35 denied.
11.9% of all applications, or 14.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Dhi Mortgage Company originated in Kentucky in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Dhi Mortgage Company'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