Members Choice in Kentucky vs the state
12.9%Denial rate-5.89 pts vs state
15.1%Decision denial rate-8.41 pts vs state
67.0%Origination rate+8.95 pts vs state
—Median rate
—Rate spread (pts)
$82kMedian applicant income
140Loans originated
27Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 183 | 151 | 12.6% | 6.25% | #133 |
| 2024 | 144 | 110 | 18.1% | 7.56% | #161 |
| 2025 | 209 | 140 | 12.9% | — | #142 |
What Members Choice lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Members Choice applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boyd County | 85 | 59 | 9 | 10.6% |
| Greenup County | 82 | 56 | 10 | 12.2% |
| Carter County | 24 | 12 | 6 | 25.0% |
| Lawrence County | 5 | 5 | 0 | 0.0% |
| Madison County | 3 | 3 | 0 | 0.0% |
| Pike County | 3 | 1 | 0 | 0.0% |
| Lewis County | 2 | 0 | 2 | 100.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Franklin 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: 209 applications in 2025, of which 140 were originated and 27 denied.
12.9% of all applications, or 15.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Members Choice'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