Everett Financial in Kentucky vs the state
4.3%Denial rate-14.54 pts vs state
6.5%Decision denial rate-17.01 pts vs state
60.9%Origination rate+2.81 pts vs state
6.25%Median rate-0.50 pts vs state
0.41Rate spread (pts)+0.10 pts vs state
$68kMedian applicant income
499Loans originated
35Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 889 | 471 | 7.1% | 6.75% | #44 |
| 2024 | 540 | 455 | 3.2% | 6.50% | #69 |
| 2025 | 820 | 499 | 4.3% | 6.25% | #54 |
What Everett Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 141 | 88 | 2 | 1.4% |
| Hardin County | 68 | 36 | 5 | 7.4% |
| McCracken County | 57 | 48 | 3 | 5.3% |
| Bullitt County | 55 | 30 | 0 | 0.0% |
| Muhlenberg County | 51 | 32 | 0 | 0.0% |
| Barren County | 38 | 23 | 3 | 7.9% |
| Warren County | 29 | 17 | 2 | 6.9% |
| Hopkins County | 26 | 10 | 1 | 3.8% |
| Meade County | 22 | 10 | 2 | 9.1% |
| Laurel County | 21 | 21 | 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: 820 applications in 2025, of which 499 were originated and 35 denied.
4.3% of all applications, or 6.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Everett Financial originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Everett Financial'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