Peoples Exchange Bank in Kentucky vs the state
12.2%Denial rate-6.64 pts vs state
15.1%Decision denial rate-8.39 pts vs state
64.5%Origination rate+6.43 pts vs state
7.13%Median rate+0.38 pts vs state
0.17Rate spread (pts)-0.15 pts vs state
$94kMedian applicant income
196Loans originated
37Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 347 | 237 | 10.1% | 6.88% | #90 |
| 2024 | 383 | 279 | 8.9% | 6.99% | #86 |
| 2025 | 304 | 196 | 12.2% | 7.13% | #108 |
What Peoples Exchange Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Peoples Exchange Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 59 | 45 | 3 | 5.1% |
| Scott County | 43 | 27 | 2 | 4.7% |
| Montgomery County | 37 | 23 | 7 | 18.9% |
| Clark County | 34 | 22 | 4 | 11.8% |
| Powell County | 31 | 20 | 4 | 12.9% |
| Madison County | 12 | 9 | 0 | 0.0% |
| Bourbon County | 7 | 5 | 0 | 0.0% |
| Boone County | 7 | 5 | 1 | 14.3% |
| Garrard County | 6 | 5 | 0 | 0.0% |
| Wolfe County | 5 | 2 | 2 | 40.0% |
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: 304 applications in 2025, of which 196 were originated and 37 denied.
12.2% of all applications, or 15.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Peoples Exchange Bank originated in Kentucky in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Peoples Exchange 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