Manufacturers and Traders Trust in Kentucky vs the state
17.7%Denial rate-1.16 pts vs state
21.4%Decision denial rate-2.06 pts vs state
64.7%Origination rate+6.67 pts vs state
6.00%Median rate-0.75 pts vs state
0.63Rate spread (pts)+0.32 pts vs state
$70kMedian applicant income
22Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 26 | 21.7% | 6.63% | #246 |
| 2024 | 28 | 20 | 3.6% | 6.50% | #303 |
| 2025 | 34 | 22 | 17.7% | 6.00% | #301 |
What Manufacturers and Traders Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 4 | 2 | 28.6% |
| Woodford County | 2 | 2 | 0 | 0.0% |
| Hopkins County | 2 | 1 | 0 | 0.0% |
| Madison County | 2 | 1 | 1 | 50.0% |
| Hardin County | 2 | 2 | 0 | 0.0% |
| Daviess County | 2 | 0 | 1 | 50.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Campbell County | 1 | 1 | 0 | 0.0% |
| Meade County | 1 | 1 | 0 | 0.0% |
| Laurel 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: 34 applications in 2025, of which 22 were originated and 6 denied.
17.7% of all applications, or 21.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Manufacturers and Traders Trust originated in Kentucky in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Manufacturers and Traders Trust'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