Mortgage Research Center in Kentucky vs the state
18.0%Denial rate-0.81 pts vs state
26.5%Decision denial rate+2.98 pts vs state
49.4%Origination rate-8.66 pts vs state
6.25%Median rate-0.50 pts vs state
-0.21Rate spread (pts)-0.52 pts vs state
$85kMedian applicant income
1,786Loans originated
651Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,558 | 1,376 | 14.7% | 6.75% | #12 |
| 2024 | 3,178 | 1,646 | 14.3% | 6.63% | #9 |
| 2025 | 3,617 | 1,786 | 18.0% | 6.25% | #6 |
What Mortgage Research Center lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Mortgage Research Center applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 331 | 133 | 83 | 25.1% |
| Hardin County | 283 | 159 | 32 | 11.3% |
| Christian County | 240 | 146 | 26 | 10.8% |
| Madison County | 116 | 59 | 20 | 17.2% |
| Fayette County | 107 | 52 | 26 | 24.3% |
| Kenton County | 99 | 44 | 24 | 24.2% |
| Boone County | 97 | 36 | 19 | 19.6% |
| Meade County | 85 | 42 | 18 | 21.2% |
| McCracken County | 85 | 37 | 16 | 18.8% |
| Warren County | 85 | 45 | 19 | 22.4% |
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% |
| 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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 3,617 applications in 2025, of which 1,786 were originated and 651 denied.
18.0% of all applications, or 26.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Mortgage Research Center originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Research Center'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