Freedom Mortgage in Kentucky vs the state
9.2%Denial rate-9.62 pts vs state
14.6%Decision denial rate-8.93 pts vs state
46.2%Origination rate-11.89 pts vs state
6.25%Median rate-0.50 pts vs state
0.22Rate spread (pts)-0.09 pts vs state
$84kMedian applicant income
1,270Loans originated
253Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 888 | 410 | 14.9% | 6.75% | #45 |
| 2024 | 2,098 | 1,067 | 9.4% | 6.49% | #17 |
| 2025 | 2,752 | 1,270 | 9.2% | 6.25% | #13 |
What Freedom Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Freedom Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 535 | 217 | 60 | 11.2% |
| Hardin County | 186 | 98 | 20 | 10.8% |
| Fayette County | 151 | 72 | 10 | 6.6% |
| Boone County | 118 | 61 | 7 | 5.9% |
| Kenton County | 115 | 55 | 7 | 6.1% |
| Madison County | 98 | 52 | 5 | 5.1% |
| Christian County | 77 | 42 | 6 | 7.8% |
| Warren County | 76 | 35 | 9 | 11.8% |
| Bullitt County | 75 | 36 | 8 | 10.7% |
| Scott County | 54 | 36 | 4 | 7.4% |
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: 2,752 applications in 2025, of which 1,270 were originated and 253 denied.
9.2% of all applications, or 14.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Freedom Mortgage originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Freedom 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