Mortgage Right in Kentucky vs the state
2.5%Denial rate-16.33 pts vs state
3.8%Decision denial rate-19.74 pts vs state
63.6%Origination rate+5.60 pts vs state
6.50%Median rate-0.25 pts vs state
0.48Rate spread (pts)+0.17 pts vs state
$77kMedian applicant income
77Loans originated
3Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 0.0% | 6.63% | #359 |
| 2024 | 43 | 25 | 4.7% | 6.63% | #256 |
| 2025 | 121 | 77 | 2.5% | 6.50% | #187 |
What Mortgage Right lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Mortgage Right applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 45 | 27 | 1 | 2.2% |
| Bullitt County | 18 | 12 | 0 | 0.0% |
| Campbell County | 5 | 3 | 0 | 0.0% |
| Hardin County | 5 | 4 | 0 | 0.0% |
| Larue County | 4 | 0 | 0 | 0.0% |
| Taylor County | 4 | 1 | 1 | 25.0% |
| Boone County | 4 | 0 | 0 | 0.0% |
| Mercer County | 4 | 4 | 0 | 0.0% |
| Nelson County | 4 | 4 | 0 | 0.0% |
| Marion County | 3 | 2 | 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: 121 applications in 2025, of which 77 were originated and 3 denied.
2.5% of all applications, or 3.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Mortgage Right originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Right'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