Provident Funding Associates in Kentucky vs the state
5.8%Denial rate-13.00 pts vs state
7.5%Decision denial rate-16.01 pts vs state
70.5%Origination rate+12.50 pts vs state
6.38%Median rate-0.38 pts vs state
-0.08Rate spread (pts)-0.39 pts vs state
$132kMedian applicant income
328Loans originated
27Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 485 | 298 | 5.4% | 6.38% | #75 |
| 2024 | 456 | 315 | 4.8% | 6.50% | #73 |
| 2025 | 465 | 328 | 5.8% | 6.38% | #82 |
What Provident Funding Associates lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Provident Funding Associates applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 219 | 159 | 14 | 6.4% |
| Fayette County | 93 | 67 | 4 | 4.3% |
| Oldham County | 34 | 21 | 1 | 2.9% |
| Shelby County | 12 | 6 | 0 | 0.0% |
| Bullitt County | 12 | 11 | 0 | 0.0% |
| Scott County | 9 | 7 | 1 | 11.1% |
| Kenton County | 8 | 4 | 3 | 37.5% |
| Jessamine County | 8 | 7 | 0 | 0.0% |
| Madison County | 7 | 7 | 0 | 0.0% |
| Spencer County | 7 | 5 | 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: 465 applications in 2025, of which 328 were originated and 27 denied.
5.8% of all applications, or 7.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Provident Funding Associates originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Provident Funding Associates'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