JPMorgan Chase Bank in Kentucky vs the state
9.3%Denial rate-9.50 pts vs state
12.1%Decision denial rate-11.43 pts vs state
66.3%Origination rate+8.30 pts vs state
6.50%Median rate-0.25 pts vs state
0.12Rate spread (pts)-0.19 pts vs state
$93kMedian applicant income
962Loans originated
135Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 978 | 706 | 7.4% | 6.63% | #40 |
| 2024 | 1,233 | 854 | 8.2% | 6.63% | #33 |
| 2025 | 1,450 | 962 | 9.3% | 6.50% | #33 |
What JPMorgan Chase Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most JPMorgan Chase Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 398 | 262 | 40 | 10.1% |
| Fayette County | 253 | 187 | 11 | 4.3% |
| Boone County | 80 | 55 | 6 | 7.5% |
| Oldham County | 48 | 34 | 3 | 6.3% |
| Kenton County | 46 | 29 | 4 | 8.7% |
| Madison County | 42 | 24 | 5 | 11.9% |
| Daviess County | 41 | 25 | 8 | 19.5% |
| Jessamine County | 40 | 27 | 1 | 2.5% |
| Warren County | 36 | 23 | 3 | 8.3% |
| Bullitt County | 33 | 23 | 1 | 3.0% |
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: 1,450 applications in 2025, of which 962 were originated and 135 denied.
9.3% of all applications, or 12.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans JPMorgan Chase Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are JPMorgan Chase 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