Sofi Bank in Kentucky vs the state
11.1%Denial rate-7.68 pts vs state
27.2%Decision denial rate+3.74 pts vs state
29.6%Origination rate-28.47 pts vs state
7.63%Median rate+0.88 pts vs state
1.70Rate spread (pts)+1.39 pts vs state
$112kMedian applicant income
170Loans originated
64Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 102 | 29 | 25.5% | 7.25% | #175 |
| 2024 | 154 | 61 | 16.2% | 6.88% | #151 |
| 2025 | 575 | 170 | 11.1% | 7.63% | #71 |
What Sofi Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Sofi Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 111 | 31 | 10 | 9.0% |
| Fayette County | 57 | 21 | 1 | 1.8% |
| Boone County | 37 | 17 | 2 | 5.4% |
| Kenton County | 28 | 8 | 4 | 14.3% |
| Hardin County | 24 | 3 | 3 | 12.5% |
| Madison County | 19 | 7 | 2 | 10.5% |
| Warren County | 17 | 3 | 2 | 11.8% |
| Oldham County | 15 | 7 | 4 | 26.7% |
| Bullitt County | 15 | 4 | 4 | 26.7% |
| Campbell County | 13 | 4 | 1 | 7.7% |
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: 575 applications in 2025, of which 170 were originated and 64 denied.
11.1% of all applications, or 27.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Sofi Bank originated in Kentucky in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Sofi Bank'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