Homebridge Financial Services in Kentucky vs the state
16.2%Denial rate-2.64 pts vs state
18.4%Decision denial rate-5.12 pts vs state
70.1%Origination rate+12.02 pts vs state
9.91%Median rate+3.16 pts vs state
0.09Rate spread (pts)-0.22 pts vs state
$92kMedian applicant income
117Loans originated
27Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 21 | 42.2% | 7.25% | #249 |
| 2024 | 104 | 70 | 23.1% | 6.88% | #185 |
| 2025 | 167 | 117 | 16.2% | 9.91% | #161 |
What Homebridge Financial Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Homebridge Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 41 | 33 | 3 | 7.3% |
| Warren County | 11 | 9 | 1 | 9.1% |
| Christian County | 9 | 4 | 4 | 44.4% |
| Fayette County | 8 | 5 | 1 | 12.5% |
| Oldham County | 8 | 5 | 0 | 0.0% |
| Bullitt County | 7 | 6 | 0 | 0.0% |
| Hardin County | 6 | 3 | 2 | 33.3% |
| Shelby County | 5 | 3 | 1 | 20.0% |
| Kenton County | 4 | 3 | 1 | 25.0% |
| Boone County | 4 | 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: 167 applications in 2025, of which 117 were originated and 27 denied.
16.2% of all applications, or 18.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Homebridge Financial Services originated in Kentucky in 2025 was 9.91%, against a statewide median of 6.75%.
About this data. Figures are Homebridge Financial Services'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