Emm Loans in Kentucky vs the state
8.3%Denial rate-10.55 pts vs state
11.2%Decision denial rate-12.31 pts vs state
64.2%Origination rate+6.18 pts vs state
6.25%Median rate-0.50 pts vs state
0.38Rate spread (pts)+0.07 pts vs state
$79kMedian applicant income
140Loans originated
18Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 94 | 12.7% | 6.50% | #145 |
| 2024 | 134 | 82 | 6.7% | 6.63% | #166 |
| 2025 | 218 | 140 | 8.3% | 6.25% | #138 |
What Emm Loans lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 108 | 66 | 13 | 12.0% |
| Shelby County | 17 | 14 | 2 | 11.8% |
| Oldham County | 14 | 10 | 0 | 0.0% |
| Bullitt County | 7 | 5 | 0 | 0.0% |
| Kenton County | 5 | 4 | 1 | 20.0% |
| Spencer County | 4 | 4 | 0 | 0.0% |
| Hancock County | 4 | 3 | 0 | 0.0% |
| Hardin County | 3 | 2 | 0 | 0.0% |
| Hart County | 3 | 1 | 0 | 0.0% |
| Campbell 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: 218 applications in 2025, of which 140 were originated and 18 denied.
8.3% of all applications, or 11.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Emm Loans originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Emm Loans'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