Ross Mortgage in Kentucky vs the state
9.0%Denial rate-9.82 pts vs state
12.5%Decision denial rate-10.99 pts vs state
59.6%Origination rate+1.51 pts vs state
6.63%Median rate-0.13 pts vs state
0.67Rate spread (pts)+0.36 pts vs state
$80kMedian applicant income
53Loans originated
8Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 54 | 7.5% | 6.88% | #196 |
| 2024 | 74 | 47 | 5.4% | 6.99% | #216 |
| 2025 | 89 | 53 | 9.0% | 6.63% | #219 |
What Ross Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Ross Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barren County | 29 | 21 | 2 | 6.9% |
| Warren County | 19 | 9 | 1 | 5.3% |
| Allen County | 9 | 5 | 0 | 0.0% |
| Logan County | 6 | 3 | 0 | 0.0% |
| Edmonson County | 3 | 2 | 0 | 0.0% |
| Hardin County | 3 | 2 | 0 | 0.0% |
| Simpson County | 2 | 1 | 1 | 50.0% |
| Hart County | 2 | 1 | 0 | 0.0% |
| Metcalfe County | 2 | 1 | 0 | 0.0% |
| Boone County | 2 | 1 | 1 | 50.0% |
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: 89 applications in 2025, of which 53 were originated and 8 denied.
9.0% of all applications, or 12.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Ross Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Ross 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