Edmonton State Bank in Kentucky vs the state
15.4%Denial rate-3.43 pts vs state
18.1%Decision denial rate-5.41 pts vs state
69.4%Origination rate+11.35 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
424Loans originated
94Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 570 | 425 | 15.6% | 7.38% | #68 |
| 2024 | 535 | 389 | 13.5% | 7.75% | #70 |
| 2025 | 611 | 424 | 15.4% | — | #69 |
What Edmonton State Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Edmonton State Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barren County | 239 | 172 | 29 | 12.1% |
| Allen County | 85 | 63 | 9 | 10.6% |
| Monroe County | 79 | 54 | 17 | 21.5% |
| Metcalfe County | 77 | 56 | 11 | 14.3% |
| Warren County | 72 | 39 | 15 | 20.8% |
| Hart County | 24 | 15 | 8 | 33.3% |
| Simpson County | 8 | 8 | 0 | 0.0% |
| Edmonson County | 7 | 5 | 1 | 14.3% |
| Green County | 5 | 2 | 1 | 20.0% |
| Logan County | 3 | 2 | 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: 611 applications in 2025, of which 424 were originated and 94 denied.
15.4% of all applications, or 18.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Edmonton State 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