Lendage in Kentucky vs the state
13.6%Denial rate-5.21 pts vs state
15.0%Decision denial rate-8.51 pts vs state
71.1%Origination rate+13.01 pts vs state
10.75%Median rate+4.00 pts vs state
4.66Rate spread (pts)+4.35 pts vs state
$106kMedian applicant income
162Loans originated
31Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 102 | 16.7% | 13.38% | #152 |
| 2024 | 250 | 185 | 11.2% | 13.00% | #113 |
| 2025 | 228 | 162 | 13.6% | 10.75% | #133 |
What Lendage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Lendage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 48 | 31 | 10 | 20.8% |
| Fayette County | 26 | 20 | 3 | 11.5% |
| Boone County | 22 | 15 | 5 | 22.7% |
| Kenton County | 18 | 16 | 0 | 0.0% |
| Hardin County | 12 | 10 | 0 | 0.0% |
| Warren County | 10 | 4 | 2 | 20.0% |
| Bullitt County | 9 | 7 | 2 | 22.2% |
| Madison County | 5 | 2 | 2 | 40.0% |
| Oldham County | 5 | 4 | 0 | 0.0% |
| Nelson County | 4 | 4 | 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: 228 applications in 2025, of which 162 were originated and 31 denied.
13.6% 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 Lendage originated in Kentucky in 2025 was 10.75%, against a statewide median of 6.75%.
About this data. Figures are Lendage'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