Mortgage Access in Kentucky vs the state
3.7%Denial rate-15.11 pts vs state
4.6%Decision denial rate-18.94 pts vs state
77.8%Origination rate+19.74 pts vs state
6.38%Median rate-0.38 pts vs state
0.13Rate spread (pts)-0.18 pts vs state
$226kMedian applicant income
21Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 19 | 2.9% | 7.13% | #271 |
| 2024 | 26 | 15 | 3.9% | 7.13% | #310 |
| 2025 | 27 | 21 | 3.7% | 6.38% | #320 |
What Mortgage Access lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oldham County | 5 | 4 | 0 | 0.0% |
| Jefferson County | 5 | 4 | 0 | 0.0% |
| Franklin County | 3 | 0 | 1 | 33.3% |
| Bullitt County | 2 | 2 | 0 | 0.0% |
| Hardin County | 2 | 2 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Spencer County | 1 | 1 | 0 | 0.0% |
| Meade County | 1 | 1 | 0 | 0.0% |
| Shelby 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: 27 applications in 2025, of which 21 were originated and 1 denied.
3.7% of all applications, or 4.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Mortgage Access originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Access'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