First Equity Mortgage in Kentucky vs the state
10.2%Denial rate-8.64 pts vs state
14.4%Decision denial rate-9.07 pts vs state
60.4%Origination rate+2.35 pts vs state
6.38%Median rate-0.38 pts vs state
0.19Rate spread (pts)-0.12 pts vs state
$137kMedian applicant income
279Loans originated
47Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 329 | 188 | 10.9% | 5.99% | #92 |
| 2024 | 436 | 273 | 8.7% | 6.50% | #79 |
| 2025 | 462 | 279 | 10.2% | 6.38% | #84 |
What First Equity Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most First Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 257 | 148 | 30 | 11.7% |
| Kenton County | 146 | 93 | 15 | 10.3% |
| Campbell County | 56 | 38 | 1 | 1.8% |
| Grant County | 3 | 0 | 1 | 33.3% |
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: 462 applications in 2025, of which 279 were originated and 47 denied.
10.2% of all applications, or 14.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans First Equity Mortgage originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are First Equity 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