PNC Bank in Kentucky vs the state
23.7%Denial rate+4.90 pts vs state
28.2%Decision denial rate+4.74 pts vs state
58.4%Origination rate+0.40 pts vs state
7.40%Median rate+0.65 pts vs state
0.36Rate spread (pts)+0.05 pts vs state
$85kMedian applicant income
2,095Loans originated
850Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,692 | 2,150 | 24.5% | 8.85% | #6 |
| 2024 | 3,377 | 2,040 | 22.8% | 8.89% | #8 |
| 2025 | 3,585 | 2,095 | 23.7% | 7.40% | #7 |
What PNC Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most PNC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,482 | 919 | 312 | 21.1% |
| Fayette County | 206 | 112 | 59 | 28.6% |
| Kenton County | 175 | 112 | 32 | 18.3% |
| Oldham County | 168 | 113 | 26 | 15.5% |
| Bullitt County | 155 | 95 | 35 | 22.6% |
| Boone County | 133 | 83 | 28 | 21.1% |
| Campbell County | 101 | 57 | 23 | 22.8% |
| Nelson County | 83 | 62 | 13 | 15.7% |
| Warren County | 78 | 38 | 19 | 24.4% |
| Hardin County | 76 | 49 | 12 | 15.8% |
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% |
| 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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 3,585 applications in 2025, of which 2,095 were originated and 850 denied.
23.7% of all applications, or 28.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans PNC Bank originated in Kentucky in 2025 was 7.40%, against a statewide median of 6.75%.
About this data. Figures are PNC 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