Sente Mortgage in Kentucky vs the state
20.0%Denial rate+1.19 pts vs state
50.0%Decision denial rate+26.51 pts vs state
20.0%Origination rate-38.04 pts vs state
6.94%Median rate+0.19 pts vs state
1.33Rate spread (pts)+1.02 pts vs state
$93kMedian applicant income
2Loans originated
2Denied
What Sente Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Sente Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pulaski County | 4 | 1 | 1 | 25.0% |
| Greenup County | 1 | 0 | 0 | 0.0% |
| Campbell County | 1 | 0 | 1 | 100.0% |
| Warren County | 1 | 0 | 0 | 0.0% |
| Floyd County | 1 | 0 | 0 | 0.0% |
| Bath County | 1 | 0 | 0 | 0.0% |
| Clark 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: 10 applications in 2025, of which 2 were originated and 2 denied.
20.0% of all applications, or 50.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Sente Mortgage originated in Kentucky in 2025 was 6.94%, against a statewide median of 6.75%.
About this data. Figures are Sente 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