Hearthside Bank in Kentucky vs the state
12.8%Denial rate-5.99 pts vs state
16.1%Decision denial rate-7.36 pts vs state
64.1%Origination rate+6.06 pts vs state
—Median rate
—Rate spread (pts)
$78kMedian applicant income
50Loans originated
10Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 106 | 64 | 18.9% | — | #171 |
| 2024 | 57 | 41 | 14.0% | — | #235 |
| 2025 | 78 | 50 | 12.8% | — | #229 |
What Hearthside Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Hearthside Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bell County | 34 | 24 | 6 | 17.6% |
| Harlan County | 28 | 15 | 3 | 10.7% |
| Laurel County | 5 | 2 | 0 | 0.0% |
| Knox County | 5 | 3 | 1 | 20.0% |
| Fayette County | 2 | 2 | 0 | 0.0% |
| Pulaski County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 1 | 0 | 0.0% |
| Estill County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 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: 78 applications in 2025, of which 50 were originated and 10 denied.
12.8% of all applications, or 16.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Hearthside 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