Right Start Mortgage in Kentucky vs the state
5.0%Denial rate-13.81 pts vs state
7.7%Decision denial rate-15.80 pts vs state
60.0%Origination rate+1.96 pts vs state
6.75%Median rate0.00 pts vs state
0.64Rate spread (pts)+0.33 pts vs state
$69kMedian applicant income
12Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 2 | 0.0% | 7.19% | #489 |
| 2025 | 20 | 12 | 5.0% | 6.75% | #352 |
What Right Start Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Right Start Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bell County | 12 | 6 | 1 | 8.3% |
| Warren County | 3 | 2 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Gallatin County | 1 | 1 | 0 | 0.0% |
| Harlan County | 1 | 0 | 0 | 0.0% |
| Simpson 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: 20 applications in 2025, of which 12 were originated and 1 denied.
5.0% of all applications, or 7.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Right Start Mortgage originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Right Start 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