Leaderone Financial in Kentucky vs the state
12.2%Denial rate-6.57 pts vs state
15.0%Decision denial rate-8.49 pts vs state
69.4%Origination rate+11.35 pts vs state
6.49%Median rate-0.26 pts vs state
0.46Rate spread (pts)+0.15 pts vs state
$73kMedian applicant income
34Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 43 | 24.1% | 6.50% | #197 |
| 2024 | 59 | 44 | 6.8% | 6.25% | #232 |
| 2025 | 49 | 34 | 12.2% | 6.49% | #270 |
What Leaderone Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Leaderone Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ohio County | 6 | 6 | 0 | 0.0% |
| Warren County | 5 | 3 | 1 | 20.0% |
| Muhlenberg County | 5 | 3 | 1 | 20.0% |
| Jefferson County | 5 | 3 | 1 | 20.0% |
| Hart County | 4 | 2 | 1 | 25.0% |
| Allen County | 4 | 3 | 1 | 25.0% |
| Hancock County | 3 | 2 | 1 | 33.3% |
| Christian County | 2 | 1 | 0 | 0.0% |
| Nelson County | 2 | 2 | 0 | 0.0% |
| Daviess County | 2 | 2 | 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: 49 applications in 2025, of which 34 were originated and 6 denied.
12.2% of all applications, or 15.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Leaderone Financial originated in Kentucky in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Leaderone Financial'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