Equity Prime Mortgage in Kentucky vs the state
8.1%Denial rate-10.75 pts vs state
13.2%Decision denial rate-10.28 pts vs state
52.8%Origination rate-5.29 pts vs state
6.63%Median rate-0.13 pts vs state
0.47Rate spread (pts)+0.16 pts vs state
$70kMedian applicant income
288Loans originated
44Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 219 | 148 | 3.7% | 6.88% | #113 |
| 2024 | 455 | 301 | 1.5% | 6.75% | #74 |
| 2025 | 546 | 288 | 8.1% | 6.63% | #74 |
What Equity Prime Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 65 | 35 | 5 | 7.7% |
| Boyd County | 53 | 34 | 4 | 7.5% |
| Greenup County | 50 | 28 | 2 | 4.0% |
| Laurel County | 26 | 13 | 2 | 7.7% |
| Hardin County | 19 | 8 | 3 | 15.8% |
| Whitley County | 16 | 9 | 1 | 6.3% |
| Kenton County | 13 | 6 | 0 | 0.0% |
| Nelson County | 12 | 8 | 1 | 8.3% |
| Bullitt County | 11 | 7 | 0 | 0.0% |
| Boone County | 10 | 3 | 2 | 20.0% |
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: 546 applications in 2025, of which 288 were originated and 44 denied.
8.1% of all applications, or 13.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Equity Prime Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Equity Prime Mortgage'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