Gershman Investment in Kentucky vs the state
4.0%Denial rate-14.80 pts vs state
4.9%Decision denial rate-18.56 pts vs state
77.4%Origination rate+19.32 pts vs state
6.38%Median rate-0.38 pts vs state
0.35Rate spread (pts)+0.04 pts vs state
$65kMedian applicant income
328Loans originated
17Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 177 | 7.7% | 6.63% | #112 |
| 2024 | 339 | 245 | 5.9% | 6.50% | #92 |
| 2025 | 424 | 328 | 4.0% | 6.38% | #88 |
What Gershman Investment lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Gershman Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McCracken County | 107 | 82 | 4 | 3.7% |
| Marshall County | 69 | 54 | 2 | 2.9% |
| Graves County | 56 | 46 | 3 | 5.4% |
| Hopkins County | 51 | 38 | 2 | 3.9% |
| Calloway County | 30 | 24 | 0 | 0.0% |
| Christian County | 21 | 11 | 3 | 14.3% |
| Caldwell County | 12 | 9 | 1 | 8.3% |
| Crittenden County | 11 | 10 | 0 | 0.0% |
| Trigg County | 10 | 5 | 1 | 10.0% |
| Webster County | 8 | 8 | 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: 424 applications in 2025, of which 328 were originated and 17 denied.
4.0% of all applications, or 4.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Gershman Investment originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Gershman Investment'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