Member First Mortgage in Kentucky vs the state
10.9%Denial rate-7.94 pts vs state
20.8%Decision denial rate-2.66 pts vs state
37.0%Origination rate-21.08 pts vs state
6.75%Median rate0.00 pts vs state
0.23Rate spread (pts)-0.08 pts vs state
$98kMedian applicant income
17Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 21 | 8.6% | 6.75% | #223 |
| 2024 | 93 | 41 | 15.1% | 6.63% | #201 |
| 2025 | 46 | 17 | 10.9% | 6.75% | #278 |
What Member First Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Member First Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 27 | 8 | 3 | 11.1% |
| Henderson County | 3 | 2 | 0 | 0.0% |
| Oldham County | 2 | 1 | 0 | 0.0% |
| Kenton County | 2 | 0 | 2 | 100.0% |
| McCracken County | 2 | 2 | 0 | 0.0% |
| Bullitt County | 2 | 2 | 0 | 0.0% |
| Whitley County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 0 | 0 | 0.0% |
| Warren County | 1 | 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: 46 applications in 2025, of which 17 were originated and 5 denied.
10.9% of all applications, or 20.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Member First Mortgage originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Member First Mortgage'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