Fair Way Lending in Kentucky vs the state
5.2%Denial rate-13.64 pts vs state
6.4%Decision denial rate-17.11 pts vs state
75.9%Origination rate+17.82 pts vs state
6.50%Median rate-0.25 pts vs state
0.28Rate spread (pts)-0.03 pts vs state
$87kMedian applicant income
44Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 55 | 41 | 5.5% | 7.00% | #231 |
| 2024 | 59 | 46 | 5.1% | 6.75% | #233 |
| 2025 | 58 | 44 | 5.2% | 6.50% | #252 |
What Fair Way Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Fair Way Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 36 | 24 | 3 | 8.3% |
| Bullitt County | 5 | 5 | 0 | 0.0% |
| Trimble County | 3 | 3 | 0 | 0.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Kenton County | 1 | 0 | 0 | 0.0% |
| Daviess County | 1 | 0 | 0 | 0.0% |
| Carroll County | 1 | 1 | 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: 58 applications in 2025, of which 44 were originated and 3 denied.
5.2% of all applications, or 6.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Fair Way Lending originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Fair Way Lending'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