Fay Servicing in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
33.3%Decision denial rate+9.84 pts vs state
40.0%Origination rate-18.04 pts vs state
6.81%Median rate+0.06 pts vs state
1.09Rate spread (pts)+0.77 pts vs state
$67kMedian applicant income
2Loans originated
1Denied
What Fay Servicing lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Fay Servicing applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1 | 0 | 0 | 0.0% |
| Kenton County | 1 | 0 | 0 | 0.0% |
| Pulaski County | 1 | 1 | 0 | 0.0% |
| Owen County | 1 | 1 | 0 | 0.0% |
| Christian County | 1 | 0 | 1 | 100.0% |
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: 5 applications in 2025, of which 2 were originated and 1 denied.
20.0% of all applications, or 33.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Fay Servicing originated in Kentucky in 2025 was 6.81%, against a statewide median of 6.75%.
About this data. Figures are Fay Servicing'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