Pennymac Loan Services in Kentucky vs the state
11.9%Denial rate-6.96 pts vs state
19.7%Decision denial rate-3.81 pts vs state
45.9%Origination rate-12.10 pts vs state
6.25%Median rate-0.50 pts vs state
0.35Rate spread (pts)+0.04 pts vs state
$83kMedian applicant income
1,132Loans originated
292Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,083 | 498 | 15.7% | 6.50% | #35 |
| 2024 | 1,489 | 717 | 12.2% | 6.25% | #27 |
| 2025 | 2,464 | 1,132 | 11.9% | 6.25% | #16 |
What Pennymac Loan Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Pennymac Loan Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 356 | 161 | 26 | 7.3% |
| Fayette County | 138 | 57 | 13 | 9.4% |
| Kenton County | 114 | 64 | 13 | 11.4% |
| Hardin County | 107 | 51 | 10 | 9.3% |
| Boone County | 95 | 60 | 9 | 9.5% |
| Bullitt County | 85 | 47 | 9 | 10.6% |
| Warren County | 76 | 43 | 8 | 10.5% |
| Christian County | 64 | 24 | 5 | 7.8% |
| Madison County | 60 | 31 | 8 | 13.3% |
| Campbell County | 59 | 27 | 5 | 8.5% |
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: 2,464 applications in 2025, of which 1,132 were originated and 292 denied.
11.9% of all applications, or 19.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Pennymac Loan Services originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Pennymac Loan Services'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