Finance of America Reverse in Kentucky vs the state
12.3%Denial rate-6.53 pts vs state
15.2%Decision denial rate-8.27 pts vs state
64.9%Origination rate+6.87 pts vs state
6.25%Median rate-0.50 pts vs state
—Rate spread (pts)
$26kMedian applicant income
37Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 77 | 48 | 19.5% | 7.69% | #199 |
| 2024 | 62 | 41 | 11.3% | 6.99% | #228 |
| 2025 | 57 | 37 | 12.3% | 6.25% | #254 |
What Finance of America Reverse lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Finance of America Reverse applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 13 | 9 | 1 | 7.7% |
| Fayette County | 4 | 4 | 0 | 0.0% |
| Kenton County | 4 | 2 | 1 | 25.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Boyle County | 3 | 2 | 0 | 0.0% |
| Woodford County | 2 | 1 | 0 | 0.0% |
| Trigg County | 2 | 0 | 1 | 50.0% |
| Henry County | 2 | 0 | 1 | 50.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Greenup 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: 57 applications in 2025, of which 37 were originated and 7 denied.
12.3% of all applications, or 15.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Finance of America Reverse originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Finance of America Reverse'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