Stifel Bank and Trust in Kentucky vs the state
4.2%Denial rate-14.64 pts vs state
4.6%Decision denial rate-18.94 pts vs state
87.5%Origination rate+29.46 pts vs state
6.13%Median rate-0.63 pts vs state
0.06Rate spread (pts)-0.26 pts vs state
$181kMedian applicant income
21Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 12 | 22.2% | 5.94% | #335 |
| 2024 | 24 | 23 | 0.0% | 6.63% | #318 |
| 2025 | 24 | 21 | 4.2% | 6.13% | #335 |
What Stifel Bank and Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 6 | 1 | 14.3% |
| Fayette County | 4 | 2 | 0 | 0.0% |
| Campbell County | 3 | 3 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
| Jessamine County | 1 | 1 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Kenton County | 1 | 1 | 0 | 0.0% |
| Lyon 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: 24 applications in 2025, of which 21 were originated and 1 denied.
4.2% of all applications, or 4.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Stifel Bank and Trust originated in Kentucky in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Stifel Bank and Trust'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