Southwest Funding in Kentucky vs the state
8.6%Denial rate-10.24 pts vs state
12.5%Decision denial rate-10.99 pts vs state
55.7%Origination rate-2.33 pts vs state
6.75%Median rate0.00 pts vs state
0.50Rate spread (pts)+0.19 pts vs state
$72kMedian applicant income
39Loans originated
6Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 31 | 2.0% | 6.75% | #238 |
| 2024 | 59 | 38 | 0.0% | 6.99% | #234 |
| 2025 | 70 | 39 | 8.6% | 6.75% | #237 |
What Southwest Funding lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Southwest Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 22 | 9 | 0 | 0.0% |
| Christian County | 17 | 14 | 1 | 5.9% |
| Logan County | 7 | 3 | 4 | 57.1% |
| Oldham County | 5 | 3 | 0 | 0.0% |
| Bullitt County | 4 | 2 | 0 | 0.0% |
| Warren County | 3 | 2 | 0 | 0.0% |
| Graves County | 1 | 1 | 0 | 0.0% |
| Breckinridge County | 1 | 0 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Barren County | 1 | 0 | 1 | 100.0% |
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: 70 applications in 2025, of which 39 were originated and 6 denied.
8.6% of all applications, or 12.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Southwest Funding originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Southwest Funding'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