Pulte Mortgage in Kentucky vs the state
11.4%Denial rate-7.39 pts vs state
14.0%Decision denial rate-9.48 pts vs state
69.7%Origination rate+11.65 pts vs state
5.50%Median rate-1.25 pts vs state
-0.82Rate spread (pts)-1.13 pts vs state
$128kMedian applicant income
177Loans originated
29Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 146 | 10.7% | 5.75% | #120 |
| 2024 | 227 | 177 | 8.8% | 5.50% | #122 |
| 2025 | 254 | 177 | 11.4% | 5.50% | #123 |
What Pulte Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Pulte Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 173 | 118 | 24 | 13.9% |
| Oldham County | 56 | 43 | 0 | 0.0% |
| Shelby County | 25 | 16 | 5 | 20.0% |
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: 254 applications in 2025, of which 177 were originated and 29 denied.
11.4% of all applications, or 14.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Pulte Mortgage originated in Kentucky in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Pulte 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