Guaranteed Rate in Kentucky vs the state
5.8%Denial rate-13.02 pts vs state
10.4%Decision denial rate-13.07 pts vs state
49.5%Origination rate-8.59 pts vs state
6.50%Median rate-0.25 pts vs state
0.24Rate spread (pts)-0.07 pts vs state
$93kMedian applicant income
359Loans originated
42Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 676 | 383 | 5.0% | 6.63% | #60 |
| 2024 | 744 | 482 | 3.2% | 6.58% | #55 |
| 2025 | 726 | 359 | 5.8% | 6.50% | #61 |
What Guaranteed Rate lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Guaranteed Rate applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 120 | 54 | 7 | 5.8% |
| Kenton County | 107 | 59 | 2 | 1.9% |
| Boone County | 79 | 51 | 6 | 7.6% |
| Christian County | 75 | 46 | 0 | 0.0% |
| Campbell County | 52 | 32 | 0 | 0.0% |
| Fayette County | 22 | 11 | 3 | 13.6% |
| Hardin County | 18 | 9 | 1 | 5.6% |
| Grant County | 13 | 4 | 1 | 7.7% |
| Warren County | 12 | 3 | 1 | 8.3% |
| Nelson County | 11 | 2 | 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: 726 applications in 2025, of which 359 were originated and 42 denied.
5.8% of all applications, or 10.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Guaranteed Rate originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate'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