Florida Capital Bank in Kentucky vs the state
4.4%Denial rate-14.46 pts vs state
4.8%Decision denial rate-18.73 pts vs state
73.9%Origination rate+15.87 pts vs state
6.38%Median rate-0.38 pts vs state
0.06Rate spread (pts)-0.25 pts vs state
$139kMedian applicant income
17Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 7 | 10.0% | 6.75% | #399 |
| 2024 | 11 | 9 | 0.0% | 6.88% | #399 |
| 2025 | 23 | 17 | 4.4% | 6.38% | #340 |
What Florida Capital Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Florida Capital Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 12 | 7 | 1 | 8.3% |
| Bullitt County | 2 | 2 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Hardin County | 1 | 1 | 0 | 0.0% |
| Simpson County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Edmonson County | 1 | 0 | 0 | 0.0% |
| Clark County | 1 | 1 | 0 | 0.0% |
| Jessamine County | 1 | 1 | 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: 23 applications in 2025, of which 17 were originated and 1 denied.
4.4% of all applications, or 4.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Florida Capital Bank originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Florida Capital 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