Lendingone in Kentucky vs the state
13.8%Denial rate-5.00 pts vs state
51.0%Decision denial rate+27.53 pts vs state
13.3%Origination rate-44.78 pts vs state
7.15%Median rate+0.39 pts vs state
—Rate spread (pts)
—Median applicant income
24Loans originated
25Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 90 | 9 | 75.6% | 8.15% | #183 |
| 2024 | 83 | 27 | 55.4% | 6.87% | #209 |
| 2025 | 181 | 24 | 13.8% | 7.15% | #155 |
What Lendingone lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 54 | 5 | 8 | 14.8% |
| Kenton County | 29 | 10 | 5 | 17.2% |
| Fayette County | 13 | 0 | 0 | 0.0% |
| Campbell County | 10 | 2 | 1 | 10.0% |
| Boone County | 6 | 2 | 0 | 0.0% |
| Christian County | 6 | 0 | 2 | 33.3% |
| McCracken County | 4 | 0 | 1 | 25.0% |
| Daviess County | 4 | 1 | 2 | 50.0% |
| Boyd County | 4 | 0 | 2 | 50.0% |
| Franklin County | 3 | 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: 181 applications in 2025, of which 24 were originated and 25 denied.
13.8% of all applications, or 51.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Lendingone originated in Kentucky in 2025 was 7.15%, against a statewide median of 6.75%.
About this data. Figures are Lendingone'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