Reliance First Capital in Kentucky vs the state
9.8%Denial rate-9.01 pts vs state
12.8%Decision denial rate-10.67 pts vs state
60.8%Origination rate+2.74 pts vs state
6.50%Median rate-0.25 pts vs state
0.94Rate spread (pts)+0.63 pts vs state
$66kMedian applicant income
31Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 59 | 2.4% | 6.99% | #193 |
| 2024 | 64 | 55 | 1.6% | 6.88% | #225 |
| 2025 | 51 | 31 | 9.8% | 6.50% | #266 |
What Reliance First Capital lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 8 | 5 | 0 | 0.0% |
| Boone County | 4 | 2 | 1 | 25.0% |
| Bullitt County | 3 | 3 | 0 | 0.0% |
| Henry County | 3 | 1 | 1 | 33.3% |
| Pulaski County | 3 | 2 | 0 | 0.0% |
| Grayson County | 3 | 2 | 0 | 0.0% |
| Madison County | 2 | 1 | 1 | 50.0% |
| Daviess County | 2 | 2 | 0 | 0.0% |
| Shelby County | 1 | 0 | 1 | 100.0% |
| Montgomery County | 1 | 1 | 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: 51 applications in 2025, of which 31 were originated and 5 denied.
9.8% of all applications, or 12.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Reliance First Capital originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Reliance First Capital'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