Geneva Financial in Kentucky vs the state
0.9%Denial rate-17.96 pts vs state
1.1%Decision denial rate-22.41 pts vs state
75.4%Origination rate+17.38 pts vs state
6.50%Median rate-0.25 pts vs state
0.36Rate spread (pts)+0.05 pts vs state
$80kMedian applicant income
89Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 745 | 562 | 0.3% | 6.50% | #54 |
| 2024 | 549 | 396 | 1.6% | 6.63% | #68 |
| 2025 | 118 | 89 | 0.9% | 6.50% | #193 |
What Geneva Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 18 | 14 | 1 | 5.6% |
| Madison County | 17 | 15 | 0 | 0.0% |
| Mercer County | 10 | 5 | 0 | 0.0% |
| Boyle County | 8 | 4 | 0 | 0.0% |
| Jessamine County | 5 | 5 | 0 | 0.0% |
| Lincoln County | 5 | 3 | 0 | 0.0% |
| Jefferson County | 5 | 4 | 0 | 0.0% |
| Trimble County | 4 | 3 | 0 | 0.0% |
| Clark County | 3 | 2 | 0 | 0.0% |
| Mason County | 3 | 3 | 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: 118 applications in 2025, of which 89 were originated and 1 denied.
0.9% of all applications, or 1.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Geneva Financial originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Geneva Financial'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