Sibcy Cline Mortgage Services in Kentucky vs the state
2.9%Denial rate-15.95 pts vs state
3.9%Decision denial rate-19.64 pts vs state
71.4%Origination rate+13.39 pts vs state
6.38%Median rate-0.38 pts vs state
0.30Rate spread (pts)-0.01 pts vs state
$98kMedian applicant income
25Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 46 | 35 | 6.5% | 6.50% | #245 |
| 2024 | 27 | 20 | 0.0% | 6.50% | #304 |
| 2025 | 35 | 25 | 2.9% | 6.38% | #298 |
What Sibcy Cline Mortgage Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Sibcy Cline Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 15 | 10 | 0 | 0.0% |
| Boone County | 8 | 7 | 1 | 12.5% |
| Campbell County | 6 | 4 | 0 | 0.0% |
| Jefferson County | 3 | 2 | 0 | 0.0% |
| Harrison County | 2 | 1 | 0 | 0.0% |
| Pendleton 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: 35 applications in 2025, of which 25 were originated and 1 denied.
2.9% of all applications, or 3.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Sibcy Cline Mortgage Services originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Sibcy Cline Mortgage Services'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