Mm Lending in Kentucky vs the state
0.0%Denial rate-18.81 pts vs state
0.0%Decision denial rate-23.49 pts vs state
100.0%Origination rate+41.96 pts vs state
12.00%Median rate+5.25 pts vs state
5.75Rate spread (pts)+5.44 pts vs state
—Median applicant income
216Loans originated
0Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 172 | 172 | 0.0% | 12.00% | #142 |
| 2024 | 180 | 180 | 0.0% | 12.00% | #139 |
| 2025 | 216 | 216 | 0.0% | 12.00% | #140 |
What Mm Lending lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Mm Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 128 | 128 | 0 | 0.0% |
| Kenton County | 47 | 47 | 0 | 0.0% |
| Campbell County | 15 | 15 | 0 | 0.0% |
| Boone County | 10 | 10 | 0 | 0.0% |
| Fayette County | 3 | 3 | 0 | 0.0% |
| Whitley County | 2 | 2 | 0 | 0.0% |
| Hart County | 1 | 1 | 0 | 0.0% |
| Edmonson County | 1 | 1 | 0 | 0.0% |
| Trimble County | 1 | 1 | 0 | 0.0% |
| Bracken 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: 216 applications in 2025, of which 216 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Mm Lending originated in Kentucky in 2025 was 12.00%, against a statewide median of 6.75%.
About this data. Figures are Mm Lending'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