Mutual of Omaha Mortgage in Kentucky vs the state
19.0%Denial rate+0.23 pts vs state
25.3%Decision denial rate+1.76 pts vs state
53.1%Origination rate-4.99 pts vs state
6.63%Median rate-0.13 pts vs state
0.57Rate spread (pts)+0.25 pts vs state
$66kMedian applicant income
287Loans originated
103Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 199 | 22.6% | 6.75% | #84 |
| 2024 | 412 | 223 | 21.8% | 6.75% | #81 |
| 2025 | 541 | 287 | 19.0% | 6.63% | #75 |
What Mutual of Omaha Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Mutual of Omaha Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 63 | 34 | 12 | 19.0% |
| Fayette County | 37 | 23 | 7 | 18.9% |
| Kenton County | 29 | 18 | 4 | 13.8% |
| Boone County | 24 | 13 | 4 | 16.7% |
| Scott County | 18 | 12 | 2 | 11.1% |
| Bullitt County | 18 | 8 | 7 | 38.9% |
| Warren County | 18 | 10 | 3 | 16.7% |
| Hardin County | 16 | 8 | 4 | 25.0% |
| Madison County | 15 | 8 | 2 | 13.3% |
| Oldham County | 14 | 9 | 1 | 7.1% |
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: 541 applications in 2025, of which 287 were originated and 103 denied.
19.0% of all applications, or 25.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Mutual of Omaha Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Mutual of Omaha Mortgage'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