Kind Lending in Kentucky vs the state
20.3%Denial rate+1.48 pts vs state
23.2%Decision denial rate-0.31 pts vs state
66.9%Origination rate+8.89 pts vs state
6.63%Median rate-0.13 pts vs state
0.48Rate spread (pts)+0.17 pts vs state
$86kMedian applicant income
419Loans originated
127Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 480 | 325 | 18.8% | 6.88% | #77 |
| 2024 | 552 | 352 | 23.4% | 6.63% | #67 |
| 2025 | 626 | 419 | 20.3% | 6.63% | #68 |
What Kind Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 209 | 134 | 59 | 28.2% |
| Bullitt County | 45 | 34 | 6 | 13.3% |
| Warren County | 36 | 28 | 2 | 5.6% |
| Oldham County | 18 | 14 | 3 | 16.7% |
| Nelson County | 16 | 11 | 3 | 18.8% |
| Hardin County | 16 | 12 | 3 | 18.8% |
| Logan County | 14 | 5 | 6 | 42.9% |
| Barren County | 13 | 5 | 4 | 30.8% |
| Franklin County | 13 | 6 | 5 | 38.5% |
| Fayette County | 12 | 11 | 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: 626 applications in 2025, of which 419 were originated and 127 denied.
20.3% of all applications, or 23.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Kind Lending originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Kind 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