Longbridge Financial in Kentucky vs the state
4.8%Denial rate-14.05 pts vs state
5.9%Decision denial rate-17.61 pts vs state
68.3%Origination rate+10.21 pts vs state
6.25%Median rate-0.50 pts vs state
—Rate spread (pts)
$27kMedian applicant income
43Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 25 | 5.7% | 7.72% | #269 |
| 2024 | 40 | 27 | 12.5% | 7.17% | #272 |
| 2025 | 63 | 43 | 4.8% | 6.25% | #246 |
What Longbridge Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Longbridge Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 19 | 17 | 0 | 0.0% |
| Fayette County | 7 | 5 | 0 | 0.0% |
| Simpson County | 3 | 2 | 0 | 0.0% |
| Mason County | 2 | 1 | 0 | 0.0% |
| Mercer County | 2 | 1 | 0 | 0.0% |
| Daviess County | 2 | 2 | 0 | 0.0% |
| Anderson County | 2 | 2 | 0 | 0.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Garrard County | 2 | 1 | 0 | 0.0% |
| Meade County | 1 | 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: 63 applications in 2025, of which 43 were originated and 3 denied.
4.8% of all applications, or 5.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Longbridge Financial originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Longbridge 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