Primary Residential Mortgage in Kentucky vs the state
8.2%Denial rate-10.61 pts vs state
11.9%Decision denial rate-11.63 pts vs state
60.9%Origination rate+2.90 pts vs state
6.38%Median rate-0.38 pts vs state
0.42Rate spread (pts)+0.11 pts vs state
$73kMedian applicant income
156Loans originated
21Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 217 | 140 | 4.6% | 6.56% | #115 |
| 2024 | 232 | 158 | 2.6% | 6.50% | #120 |
| 2025 | 256 | 156 | 8.2% | 6.38% | #122 |
What Primary Residential Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Primary Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 56 | 32 | 3 | 5.4% |
| Henry County | 28 | 17 | 3 | 10.7% |
| Trimble County | 23 | 17 | 0 | 0.0% |
| Daviess County | 20 | 15 | 4 | 20.0% |
| Oldham County | 16 | 9 | 0 | 0.0% |
| Carroll County | 14 | 8 | 2 | 14.3% |
| Floyd County | 9 | 2 | 2 | 22.2% |
| Shelby County | 6 | 4 | 0 | 0.0% |
| Hardin County | 5 | 5 | 0 | 0.0% |
| Christian County | 5 | 3 | 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: 256 applications in 2025, of which 156 were originated and 21 denied.
8.2% of all applications, or 11.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Primary Residential Mortgage originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Primary Residential Mortgage'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