Liberty in Kentucky vs the state
6.0%Denial rate-12.85 pts vs state
7.0%Decision denial rate-16.50 pts vs state
78.6%Origination rate+20.56 pts vs state
6.63%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.04 pts vs state
$95kMedian applicant income
1,792Loans originated
136Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,093 | 1,605 | 8.0% | 7.00% | #17 |
| 2024 | 2,234 | 1,726 | 6.8% | 7.00% | #15 |
| 2025 | 2,280 | 1,792 | 6.0% | 6.63% | #17 |
What Liberty lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Daviess County | 805 | 664 | 39 | 4.8% |
| Jefferson County | 256 | 199 | 19 | 7.4% |
| Henderson County | 231 | 185 | 19 | 8.2% |
| Warren County | 222 | 167 | 7 | 3.2% |
| Oldham County | 102 | 74 | 7 | 6.9% |
| Ohio County | 78 | 59 | 7 | 9.0% |
| Hancock County | 51 | 41 | 4 | 7.8% |
| Logan County | 43 | 37 | 0 | 0.0% |
| Simpson County | 41 | 36 | 1 | 2.4% |
| McLean County | 38 | 29 | 2 | 5.3% |
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: 2,280 applications in 2025, of which 1,792 were originated and 136 denied.
6.0% of all applications, or 7.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Liberty originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Liberty'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