Digital in Kentucky vs the state
12.0%Denial rate-6.81 pts vs state
20.0%Decision denial rate-3.49 pts vs state
48.0%Origination rate-10.04 pts vs state
7.56%Median rate+0.81 pts vs state
0.45Rate spread (pts)+0.14 pts vs state
$144kMedian applicant income
12Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 15 | 15.2% | 6.75% | #247 |
| 2024 | 23 | 8 | 13.0% | 8.13% | #324 |
| 2025 | 25 | 12 | 12.0% | 7.56% | #330 |
What Digital lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 13 | 7 | 2 | 15.4% |
| Boone County | 3 | 1 | 0 | 0.0% |
| Fayette County | 2 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Hancock County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Elliott County | 1 | 0 | 0 | 0.0% |
| Warren County | 1 | 0 | 1 | 100.0% |
| Oldham County | 1 | 0 | 0 | 0.0% |
| Henderson 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: 25 applications in 2025, of which 12 were originated and 3 denied.
12.0% of all applications, or 20.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Digital originated in Kentucky in 2025 was 7.56%, against a statewide median of 6.75%.
About this data. Figures are Digital'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