Mortgage 1 in Kentucky vs the state
40.0%Denial rate+21.19 pts vs state
50.0%Decision denial rate+26.51 pts vs state
40.0%Origination rate-18.04 pts vs state
6.25%Median rate-0.50 pts vs state
0.16Rate spread (pts)-0.15 pts vs state
$490kMedian applicant income
2Loans originated
2Denied
What Mortgage 1 lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Mortgage 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Garrard County | 4 | 1 | 2 | 50.0% |
| Fayette 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: 5 applications in 2025, of which 2 were originated and 2 denied.
40.0% of all applications, or 50.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Mortgage 1 originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Mortgage 1'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