Loan Funder in Kentucky vs the state
6.4%Denial rate-12.45 pts vs state
10.8%Decision denial rate-12.72 pts vs state
52.7%Origination rate-5.31 pts vs state
7.97%Median rate+1.21 pts vs state
—Rate spread (pts)
—Median applicant income
58Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 34 | 1.9% | 8.41% | #235 |
| 2024 | 90 | 39 | 10.0% | 7.92% | #205 |
| 2025 | 110 | 58 | 6.4% | 7.97% | #197 |
What Loan Funder lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Loan Funder applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 23 | 6 | 4 | 17.4% |
| Kenton County | 17 | 12 | 0 | 0.0% |
| Fayette County | 12 | 3 | 0 | 0.0% |
| Jessamine County | 9 | 8 | 0 | 0.0% |
| Franklin County | 9 | 4 | 0 | 0.0% |
| Boyd County | 7 | 6 | 0 | 0.0% |
| Warren County | 4 | 3 | 0 | 0.0% |
| Harrison County | 3 | 2 | 1 | 33.3% |
| Christian County | 3 | 2 | 1 | 33.3% |
| Clark County | 3 | 1 | 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: 110 applications in 2025, of which 58 were originated and 7 denied.
6.4% of all applications, or 10.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Loan Funder originated in Kentucky in 2025 was 7.97%, against a statewide median of 6.75%.
About this data. Figures are Loan Funder'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