River City Bank in Kentucky vs the state
10.9%Denial rate-7.90 pts vs state
11.6%Decision denial rate-11.89 pts vs state
70.5%Origination rate+12.46 pts vs state
—Median rate
—Rate spread (pts)
$103kMedian applicant income
239Loans originated
37Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 369 | 225 | 16.5% | — | #83 |
| 2024 | 375 | 231 | 17.3% | — | #88 |
| 2025 | 339 | 239 | 10.9% | — | #101 |
What River City Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most River City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 280 | 200 | 29 | 10.4% |
| Bullitt County | 18 | 13 | 1 | 5.6% |
| Oldham County | 8 | 6 | 1 | 12.5% |
| Shelby County | 6 | 3 | 1 | 16.7% |
| Spencer County | 5 | 3 | 2 | 40.0% |
| Meade County | 5 | 2 | 1 | 20.0% |
| Hardin County | 4 | 3 | 0 | 0.0% |
| Breckinridge County | 4 | 3 | 1 | 25.0% |
| Nelson County | 2 | 1 | 0 | 0.0% |
| Grayson County | 2 | 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: 339 applications in 2025, of which 239 were originated and 37 denied.
10.9% of all applications, or 11.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are River City 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