Regions Bank in Kentucky vs the state
34.0%Denial rate+15.23 pts vs state
37.3%Decision denial rate+13.77 pts vs state
50.8%Origination rate-7.25 pts vs state
6.06%Median rate-0.69 pts vs state
-0.05Rate spread (pts)-0.36 pts vs state
$85kMedian applicant income
288Loans originated
193Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 627 | 336 | 33.3% | 7.94% | #63 |
| 2024 | 568 | 269 | 37.5% | 7.13% | #65 |
| 2025 | 567 | 288 | 34.0% | 6.06% | #73 |
What Regions Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Regions Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McCracken County | 142 | 82 | 41 | 28.9% |
| Marshall County | 72 | 34 | 23 | 31.9% |
| Graves County | 50 | 27 | 21 | 42.0% |
| Jefferson County | 39 | 15 | 17 | 43.6% |
| Calloway County | 35 | 21 | 10 | 28.6% |
| Simpson County | 26 | 11 | 12 | 46.2% |
| Ballard County | 23 | 16 | 5 | 21.7% |
| Livingston County | 16 | 12 | 2 | 12.5% |
| Fayette County | 14 | 8 | 2 | 14.3% |
| Warren County | 9 | 4 | 3 | 33.3% |
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: 567 applications in 2025, of which 288 were originated and 193 denied.
34.0% of all applications, or 37.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Regions Bank originated in Kentucky in 2025 was 6.06%, against a statewide median of 6.75%.
About this data. Figures are Regions 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