Jmac Lending in Kentucky vs the state
6.7%Denial rate-12.14 pts vs state
9.1%Decision denial rate-14.40 pts vs state
66.7%Origination rate+8.63 pts vs state
6.56%Median rate-0.19 pts vs state
0.53Rate spread (pts)+0.22 pts vs state
$102kMedian applicant income
20Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 11 | 8 | 0.0% | 6.81% | #396 |
| 2025 | 30 | 20 | 6.7% | 6.56% | #311 |
What Jmac Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Jmac Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 14 | 9 | 2 | 14.3% |
| Scott County | 2 | 1 | 0 | 0.0% |
| Shelby County | 2 | 1 | 0 | 0.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Todd County | 1 | 0 | 0 | 0.0% |
| Breckinridge County | 1 | 0 | 0 | 0.0% |
| Meade County | 1 | 1 | 0 | 0.0% |
| Bullitt County | 1 | 1 | 0 | 0.0% |
| Harrison County | 1 | 1 | 0 | 0.0% |
| Barren County | 1 | 0 | 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: 30 applications in 2025, of which 20 were originated and 2 denied.
6.7% of all applications, or 9.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Jmac Lending originated in Kentucky in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are Jmac Lending'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