Old National Bank in Kentucky vs the state
16.7%Denial rate-2.12 pts vs state
19.8%Decision denial rate-3.65 pts vs state
66.4%Origination rate+8.31 pts vs state
6.25%Median rate-0.50 pts vs state
-0.16Rate spread (pts)-0.47 pts vs state
$98kMedian applicant income
489Loans originated
123Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 638 | 428 | 23.7% | 6.49% | #62 |
| 2024 | 713 | 485 | 21.7% | 6.63% | #56 |
| 2025 | 737 | 489 | 16.7% | 6.25% | #60 |
What Old National Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Old National Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 147 | 82 | 28 | 19.0% |
| Daviess County | 135 | 97 | 21 | 15.6% |
| Muhlenberg County | 78 | 56 | 15 | 19.2% |
| Henderson County | 70 | 47 | 11 | 15.7% |
| Hopkins County | 63 | 37 | 17 | 27.0% |
| Fayette County | 54 | 42 | 4 | 7.4% |
| McCracken County | 28 | 22 | 2 | 7.1% |
| Oldham County | 20 | 15 | 1 | 5.0% |
| Jessamine County | 16 | 14 | 2 | 12.5% |
| Union County | 11 | 8 | 2 | 18.2% |
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: 737 applications in 2025, of which 489 were originated and 123 denied.
16.7% of all applications, or 19.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Old National Bank originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Old National 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