Discover Bank in Kentucky vs the state
55.1%Denial rate+36.24 pts vs state
78.6%Decision denial rate+55.07 pts vs state
14.6%Origination rate-43.41 pts vs state
8.77%Median rate+2.02 pts vs state
2.29Rate spread (pts)+1.98 pts vs state
$97kMedian applicant income
110Loans originated
414Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,527 | 364 | 48.9% | 9.99% | #13 |
| 2024 | 2,438 | 396 | 52.7% | 9.22% | #14 |
| 2025 | 752 | 110 | 55.1% | 8.77% | #58 |
What Discover Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Discover Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 154 | 23 | 83 | 53.9% |
| Fayette County | 65 | 4 | 33 | 50.8% |
| Kenton County | 42 | 5 | 27 | 64.3% |
| Boone County | 40 | 7 | 22 | 55.0% |
| Warren County | 28 | 6 | 16 | 57.1% |
| Madison County | 21 | 4 | 13 | 61.9% |
| Oldham County | 20 | 7 | 8 | 40.0% |
| Campbell County | 17 | 4 | 9 | 52.9% |
| Bullitt County | 17 | 2 | 7 | 41.2% |
| Pulaski County | 16 | 3 | 11 | 68.8% |
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: 752 applications in 2025, of which 110 were originated and 414 denied.
55.1% of all applications, or 78.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Discover Bank originated in Kentucky in 2025 was 8.77%, against a statewide median of 6.75%.
About this data. Figures are Discover Bank'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