Neighborhood Loans in Kentucky vs the state
71.4%Denial rate+52.62 pts vs state
100.0%Decision denial rate+76.51 pts vs state
0.0%Origination rate-58.04 pts vs state
—Median rate
—Rate spread (pts)
$121kMedian applicant income
0Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 3 | 37.5% | 7.50% | #423 |
| 2024 | 9 | 7 | 22.2% | 6.75% | #425 |
| 2025 | 7 | 0 | 71.4% | — | #451 |
What Neighborhood Loans lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Neighborhood Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2 | 0 | 2 | 100.0% |
| Hardin County | 2 | 0 | 1 | 50.0% |
| Whitley County | 1 | 0 | 0 | 0.0% |
| Christian County | 1 | 0 | 1 | 100.0% |
| Elliott County | 1 | 0 | 1 | 100.0% |
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: 7 applications in 2025, of which 0 were originated and 5 denied.
71.4% of all applications, or 100.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Neighborhood Loans'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