Polaris Home Funding in Kentucky vs the state
6.1%Denial rate-12.73 pts vs state
6.7%Decision denial rate-16.82 pts vs state
72.4%Origination rate+14.34 pts vs state
6.50%Median rate-0.25 pts vs state
0.55Rate spread (pts)+0.23 pts vs state
$71kMedian applicant income
131Loans originated
11Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 184 | 132 | 4.9% | 6.63% | #131 |
| 2024 | 165 | 128 | 7.3% | 6.75% | #145 |
| 2025 | 181 | 131 | 6.1% | 6.50% | #156 |
What Polaris Home Funding lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Polaris Home Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 77 | 55 | 2 | 2.6% |
| Boone County | 15 | 11 | 4 | 26.7% |
| Whitley County | 14 | 8 | 1 | 7.1% |
| Kenton County | 14 | 11 | 0 | 0.0% |
| Knox County | 8 | 5 | 1 | 12.5% |
| Pendleton County | 7 | 5 | 0 | 0.0% |
| Clay County | 6 | 5 | 1 | 16.7% |
| Rockcastle County | 4 | 1 | 1 | 25.0% |
| Madison County | 4 | 3 | 0 | 0.0% |
| Campbell County | 3 | 2 | 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: 181 applications in 2025, of which 131 were originated and 11 denied.
6.1% of all applications, or 6.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Polaris Home Funding originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Polaris Home Funding'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