German American Bank in Kentucky vs the state
15.3%Denial rate-3.51 pts vs state
17.0%Decision denial rate-6.52 pts vs state
73.9%Origination rate+15.88 pts vs state
6.99%Median rate+0.24 pts vs state
-7.11Rate spread (pts)-7.42 pts vs state
$98kMedian applicant income
1,097Loans originated
227Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,071 | 729 | 19.1% | 7.00% | #36 |
| 2024 | 1,312 | 930 | 18.5% | 7.25% | #32 |
| 2025 | 1,484 | 1,097 | 15.3% | 6.99% | #29 |
What German American Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most German American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 218 | 146 | 47 | 21.6% |
| Daviess County | 122 | 99 | 15 | 12.3% |
| Warren County | 122 | 98 | 11 | 9.0% |
| Shelby County | 114 | 85 | 24 | 21.1% |
| Simpson County | 99 | 81 | 9 | 9.1% |
| Kenton County | 96 | 73 | 5 | 5.2% |
| Boone County | 90 | 71 | 8 | 8.9% |
| Owen County | 74 | 60 | 11 | 14.9% |
| Hart County | 71 | 52 | 13 | 18.3% |
| Spencer County | 51 | 37 | 11 | 21.6% |
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: 1,484 applications in 2025, of which 1,097 were originated and 227 denied.
15.3% of all applications, or 17.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans German American Bank originated in Kentucky in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are German American 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