Figure Lending in Kentucky vs the state
27.6%Denial rate+8.82 pts vs state
28.4%Decision denial rate+4.94 pts vs state
42.9%Origination rate-15.18 pts vs state
9.65%Median rate+2.90 pts vs state
3.48Rate spread (pts)+3.16 pts vs state
$100kMedian applicant income
273Loans originated
176Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 42 | 14 | 28.6% | 11.75% | #263 |
| 2025 | 637 | 273 | 27.6% | 9.65% | #66 |
What Figure Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Figure Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 104 | 53 | 28 | 26.9% |
| Kenton County | 40 | 18 | 9 | 22.5% |
| Boone County | 34 | 18 | 8 | 23.5% |
| Fayette County | 31 | 14 | 6 | 19.4% |
| Campbell County | 23 | 15 | 1 | 4.3% |
| Oldham County | 21 | 8 | 3 | 14.3% |
| Bullitt County | 19 | 11 | 4 | 21.1% |
| Hardin County | 19 | 9 | 4 | 21.1% |
| Daviess County | 18 | 6 | 8 | 44.4% |
| Scott County | 14 | 4 | 5 | 35.7% |
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: 637 applications in 2025, of which 273 were originated and 176 denied.
27.6% of all applications, or 28.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Figure Lending originated in Kentucky in 2025 was 9.65%, against a statewide median of 6.75%.
About this data. Figures are Figure 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