Rocket Mortgage in Kentucky vs the state
18.1%Denial rate-0.73 pts vs state
19.6%Decision denial rate-3.94 pts vs state
71.8%Origination rate+13.80 pts vs state
6.75%Median rate0.00 pts vs state
0.65Rate spread (pts)+0.34 pts vs state
$78kMedian applicant income
6,049Loans originated
1,522Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,218 | 3,764 | 18.3% | 6.63% | #2 |
| 2024 | 6,261 | 4,679 | 16.8% | 6.63% | #2 |
| 2025 | 8,420 | 6,049 | 18.1% | 6.75% | #1 |
What Rocket Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Rocket Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 1,517 | 1,111 | 258 | 17.0% |
| Fayette County | 461 | 360 | 65 | 14.1% |
| Boone County | 332 | 259 | 46 | 13.9% |
| Kenton County | 295 | 219 | 46 | 15.6% |
| Hardin County | 250 | 193 | 41 | 16.4% |
| Warren County | 233 | 170 | 43 | 18.5% |
| Bullitt County | 203 | 144 | 34 | 16.7% |
| Madison County | 198 | 150 | 33 | 16.7% |
| Scott County | 193 | 153 | 22 | 11.4% |
| Oldham County | 174 | 138 | 21 | 12.1% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 8,420 applications in 2025, of which 6,049 were originated and 1,522 denied.
18.1% of all applications, or 19.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Rocket Mortgage originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Rocket 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