Peoples Bank of Kentucky in Kentucky vs the state
9.6%Denial rate-9.24 pts vs state
10.8%Decision denial rate-12.65 pts vs state
77.0%Origination rate+18.92 pts vs state
—Median rate
—Rate spread (pts)
$76kMedian applicant income
177Loans originated
22Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 249 | 193 | 8.0% | — | #105 |
| 2024 | 213 | 162 | 14.6% | — | #130 |
| 2025 | 230 | 177 | 9.6% | — | #130 |
What Peoples Bank of Kentucky lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most Peoples Bank of Kentucky applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fleming County | 92 | 76 | 4 | 4.3% |
| Bath County | 40 | 27 | 4 | 10.0% |
| Mason County | 36 | 24 | 5 | 13.9% |
| Lewis County | 25 | 23 | 2 | 8.0% |
| Bracken County | 8 | 4 | 4 | 50.0% |
| Montgomery County | 7 | 3 | 2 | 28.6% |
| Rowan County | 5 | 5 | 0 | 0.0% |
| Nicholas County | 3 | 3 | 0 | 0.0% |
| Greenup County | 2 | 2 | 0 | 0.0% |
| Menifee County | 2 | 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: 230 applications in 2025, of which 177 were originated and 22 denied.
9.6% of all applications, or 10.8% 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 Peoples Bank of Kentucky'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