Royal United Mortgage in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
23.6%Decision denial rate+0.07 pts vs state
62.4%Origination rate+4.40 pts vs state
6.88%Median rate+0.13 pts vs state
1.08Rate spread (pts)+0.77 pts vs state
$44kMedian applicant income
128Loans originated
41Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 212 | 142 | 18.4% | 7.13% | #117 |
| 2024 | 261 | 159 | 23.0% | 7.00% | #110 |
| 2025 | 205 | 128 | 20.0% | 6.88% | #145 |
What Royal United Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 24 | 13 | 3 | 12.5% |
| Barren County | 7 | 5 | 1 | 14.3% |
| Kenton County | 7 | 6 | 1 | 14.3% |
| Hardin County | 6 | 5 | 1 | 16.7% |
| Hopkins County | 6 | 4 | 2 | 33.3% |
| Christian County | 6 | 4 | 1 | 16.7% |
| Daviess County | 5 | 3 | 2 | 40.0% |
| Marshall County | 5 | 4 | 1 | 20.0% |
| Simpson County | 4 | 3 | 0 | 0.0% |
| Montgomery County | 4 | 3 | 1 | 25.0% |
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: 205 applications in 2025, of which 128 were originated and 41 denied.
20.0% of all applications, or 23.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Royal United Mortgage originated in Kentucky in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Royal United 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