Peoples Bank in Kentucky vs the state
30.1%Denial rate+11.24 pts vs state
33.5%Decision denial rate+10.02 pts vs state
55.9%Origination rate-2.15 pts vs state
7.25%Median rate+0.50 pts vs state
0.30Rate spread (pts)-0.01 pts vs state
$66kMedian applicant income
465Loans originated
250Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 587 | 311 | 34.6% | 7.50% | #65 |
| 2024 | 671 | 390 | 27.7% | 8.50% | #60 |
| 2025 | 832 | 465 | 30.1% | 7.25% | #52 |
What Peoples Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Peoples Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 91 | 57 | 21 | 23.1% |
| Greenup County | 68 | 38 | 21 | 30.9% |
| Floyd County | 55 | 30 | 19 | 34.5% |
| Hart County | 54 | 29 | 22 | 40.7% |
| Boyd County | 54 | 29 | 15 | 27.8% |
| Ohio County | 33 | 22 | 7 | 21.2% |
| Henry County | 29 | 16 | 9 | 31.0% |
| Barren County | 29 | 14 | 12 | 41.4% |
| Lewis County | 29 | 16 | 8 | 27.6% |
| Mason County | 28 | 18 | 7 | 25.0% |
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: 832 applications in 2025, of which 465 were originated and 250 denied.
30.1% of all applications, or 33.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Peoples Bank originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Peoples 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