Ixonia Bank in Kentucky vs the state
3.2%Denial rate-15.62 pts vs state
5.0%Decision denial rate-18.51 pts vs state
60.3%Origination rate+2.25 pts vs state
6.88%Median rate+0.13 pts vs state
0.71Rate spread (pts)+0.40 pts vs state
$89kMedian applicant income
208Loans originated
11Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 22 | 0.0% | 7.13% | #274 |
| 2024 | 264 | 166 | 6.4% | 7.13% | #109 |
| 2025 | 345 | 208 | 3.2% | 6.88% | #99 |
What Ixonia Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 67 | 47 | 1 | 1.5% |
| Madison County | 38 | 30 | 0 | 0.0% |
| Jefferson County | 32 | 11 | 3 | 9.4% |
| Jessamine County | 23 | 12 | 1 | 4.3% |
| Scott County | 17 | 10 | 0 | 0.0% |
| Clark County | 15 | 10 | 1 | 6.7% |
| Franklin County | 13 | 7 | 0 | 0.0% |
| Kenton County | 12 | 10 | 0 | 0.0% |
| Mercer County | 9 | 3 | 0 | 0.0% |
| Anderson County | 8 | 6 | 1 | 12.5% |
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: 345 applications in 2025, of which 208 were originated and 11 denied.
3.2% of all applications, or 5.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Ixonia Bank originated in Kentucky in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Ixonia 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