Fbc Mortgage in Kentucky vs the state
1.6%Denial rate-17.20 pts vs state
1.9%Decision denial rate-21.60 pts vs state
83.9%Origination rate+25.83 pts vs state
5.12%Median rate-1.63 pts vs state
-0.77Rate spread (pts)-1.08 pts vs state
$102kMedian applicant income
208Loans originated
4Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 152 | 117 | 2.0% | 4.99% | #149 |
| 2024 | 234 | 196 | 1.7% | 5.50% | #119 |
| 2025 | 248 | 208 | 1.6% | 5.12% | #128 |
What Fbc Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Fbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 73 | 62 | 3 | 4.1% |
| Daviess County | 68 | 63 | 0 | 0.0% |
| Scott County | 40 | 31 | 0 | 0.0% |
| Henderson County | 34 | 29 | 0 | 0.0% |
| Jessamine County | 8 | 7 | 1 | 12.5% |
| Fayette County | 5 | 2 | 0 | 0.0% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Ohio County | 3 | 3 | 0 | 0.0% |
| Franklin County | 2 | 1 | 0 | 0.0% |
| Hancock County | 2 | 2 | 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: 248 applications in 2025, of which 208 were originated and 4 denied.
1.6% of all applications, or 1.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Fbc Mortgage originated in Kentucky in 2025 was 5.12%, against a statewide median of 6.75%.
About this data. Figures are Fbc 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