Heritage Bank in Kentucky vs the state
19.2%Denial rate+0.36 pts vs state
20.4%Decision denial rate-3.08 pts vs state
74.7%Origination rate+16.68 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
269Loans originated
69Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 269 | 253 | 5.6% | — | #101 |
| 2024 | 314 | 224 | 20.1% | — | #96 |
| 2025 | 360 | 269 | 19.2% | — | #96 |
What Heritage Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 108 | 81 | 22 | 20.4% |
| Kenton County | 108 | 76 | 25 | 23.1% |
| Campbell County | 64 | 53 | 7 | 10.9% |
| Grant County | 43 | 27 | 10 | 23.3% |
| Pendleton County | 27 | 26 | 1 | 3.7% |
| Owen County | 4 | 2 | 2 | 50.0% |
| Bracken County | 3 | 1 | 2 | 66.7% |
| Gallatin County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Russell 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: 360 applications in 2025, of which 269 were originated and 69 denied.
19.2% of all applications, or 20.4% 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 Heritage 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