Fifth Third Bank in Kentucky vs the state
25.5%Denial rate+6.69 pts vs state
30.7%Decision denial rate+7.17 pts vs state
55.6%Origination rate-2.42 pts vs state
7.75%Median rate+1.00 pts vs state
0.63Rate spread (pts)+0.32 pts vs state
$87kMedian applicant income
3,150Loans originated
1,444Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,730 | 2,173 | 24.5% | 8.25% | #5 |
| 2024 | 4,175 | 2,422 | 24.8% | 8.50% | #5 |
| 2025 | 5,663 | 3,150 | 25.5% | 7.75% | #4 |
What Fifth Third Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Fifth Third Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,386 | 749 | 344 | 24.8% |
| Kenton County | 519 | 311 | 119 | 22.9% |
| Fayette County | 502 | 275 | 126 | 25.1% |
| Boone County | 500 | 309 | 112 | 22.4% |
| Campbell County | 456 | 253 | 118 | 25.9% |
| Oldham County | 168 | 109 | 30 | 17.9% |
| Hopkins County | 157 | 83 | 50 | 31.8% |
| Henderson County | 156 | 85 | 42 | 26.9% |
| Scott County | 155 | 92 | 34 | 21.9% |
| Bullitt County | 142 | 79 | 34 | 23.9% |
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% |
| 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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 5,663 applications in 2025, of which 3,150 were originated and 1,444 denied.
25.5% of all applications, or 30.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Fifth Third Bank originated in Kentucky in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Fifth Third Bank'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