North American Savings Bank in Kentucky vs the state
12.5%Denial rate-6.31 pts vs state
12.5%Decision denial rate-10.99 pts vs state
87.5%Origination rate+29.46 pts vs state
6.63%Median rate-0.13 pts vs state
0.02Rate spread (pts)-0.29 pts vs state
$94kMedian applicant income
7Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 11 | 16.7% | 5.75% | #331 |
| 2024 | 14 | 11 | 21.4% | 7.25% | #368 |
| 2025 | 8 | 7 | 12.5% | 6.63% | #443 |
What North American Savings Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 2 | 1 | 1 | 50.0% |
| Campbell County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
| Scott County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Boone 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: 8 applications in 2025, of which 7 were originated and 1 denied.
12.5% of all applications, or 12.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans North American Savings Bank originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are North American Savings Bank'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