Hometown Equity Mortgage in Kentucky vs the state
45.8%Denial rate+26.95 pts vs state
46.6%Decision denial rate+23.06 pts vs state
49.2%Origination rate-8.89 pts vs state
7.38%Median rate+0.63 pts vs state
0.61Rate spread (pts)+0.30 pts vs state
$120kMedian applicant income
29Loans originated
27Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 6 | 38.5% | 9.88% | #369 |
| 2024 | 40 | 19 | 47.5% | 7.75% | #270 |
| 2025 | 59 | 29 | 45.8% | 7.38% | #249 |
What Hometown Equity Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 24 | 12 | 12 | 50.0% |
| Scott County | 4 | 3 | 1 | 25.0% |
| Campbell County | 4 | 2 | 2 | 50.0% |
| Fayette County | 3 | 2 | 1 | 33.3% |
| Franklin County | 3 | 1 | 1 | 33.3% |
| Madison County | 3 | 0 | 3 | 100.0% |
| Kenton County | 3 | 2 | 1 | 33.3% |
| Warren County | 2 | 1 | 0 | 0.0% |
| McCracken County | 2 | 1 | 1 | 50.0% |
| Grant 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: 59 applications in 2025, of which 29 were originated and 27 denied.
45.8% of all applications, or 46.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Hometown Equity Mortgage originated in Kentucky in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Hometown Equity Mortgage'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