South Central Bank in Kentucky vs the state
6.8%Denial rate-12.00 pts vs state
7.7%Decision denial rate-15.83 pts vs state
77.4%Origination rate+19.35 pts vs state
7.25%Median rate+0.50 pts vs state
0.20Rate spread (pts)-0.11 pts vs state
$85kMedian applicant income
1,376Loans originated
121Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,514 | 1,225 | 6.5% | 7.13% | #23 |
| 2024 | 1,600 | 1,248 | 7.6% | 8.00% | #24 |
| 2025 | 1,778 | 1,376 | 6.8% | 7.25% | #23 |
What South Central Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most South Central Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 301 | 244 | 18 | 6.0% |
| Hardin County | 256 | 185 | 10 | 3.9% |
| Barren County | 244 | 206 | 16 | 6.6% |
| Daviess County | 128 | 105 | 4 | 3.1% |
| Jefferson County | 109 | 76 | 6 | 5.5% |
| Monroe County | 81 | 63 | 10 | 12.3% |
| Allen County | 78 | 66 | 6 | 7.7% |
| Logan County | 53 | 41 | 6 | 11.3% |
| Metcalfe County | 44 | 39 | 1 | 2.3% |
| Hart County | 43 | 35 | 4 | 9.3% |
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: 1,778 applications in 2025, of which 1,376 were originated and 121 denied.
6.8% of all applications, or 7.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans South Central Bank originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are South Central 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