Fairway Independent Mortgage in Kentucky vs the state
8.7%Denial rate-10.13 pts vs state
11.3%Decision denial rate-12.16 pts vs state
67.2%Origination rate+9.13 pts vs state
6.63%Median rate-0.13 pts vs state
0.48Rate spread (pts)+0.16 pts vs state
$88kMedian applicant income
573Loans originated
74Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 989 | 709 | 5.2% | 6.63% | #38 |
| 2024 | 855 | 629 | 6.6% | 6.75% | #49 |
| 2025 | 853 | 573 | 8.7% | 6.63% | #50 |
What Fairway Independent Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 457 | 295 | 50 | 10.9% |
| Bullitt County | 65 | 47 | 1 | 1.5% |
| Oldham County | 49 | 33 | 6 | 12.2% |
| Nelson County | 44 | 28 | 0 | 0.0% |
| Shelby County | 28 | 16 | 6 | 21.4% |
| Boone County | 27 | 23 | 1 | 3.7% |
| Hardin County | 26 | 18 | 0 | 0.0% |
| Kenton County | 19 | 16 | 1 | 5.3% |
| Spencer County | 19 | 12 | 2 | 10.5% |
| Campbell County | 15 | 14 | 1 | 6.7% |
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: 853 applications in 2025, of which 573 were originated and 74 denied.
8.7% of all applications, or 11.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Fairway Independent Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Fairway Independent 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