Strong Home Mortgage in Kentucky vs the state
5.9%Denial rate-12.93 pts vs state
11.1%Decision denial rate-12.38 pts vs state
47.1%Origination rate-10.98 pts vs state
6.12%Median rate-0.63 pts vs state
0.05Rate spread (pts)-0.26 pts vs state
$106kMedian applicant income
8Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 4 | 0.0% | 6.25% | #458 |
| 2024 | 13 | 7 | 7.7% | 5.99% | #380 |
| 2025 | 17 | 8 | 5.9% | 6.12% | #369 |
What Strong Home Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Strong Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boone County | 3 | 1 | 0 | 0.0% |
| Fayette County | 2 | 1 | 0 | 0.0% |
| Kenton County | 2 | 1 | 1 | 50.0% |
| Campbell County | 1 | 0 | 0 | 0.0% |
| Edmonson County | 1 | 1 | 0 | 0.0% |
| Pendleton County | 1 | 1 | 0 | 0.0% |
| Woodford County | 1 | 0 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Barren County | 1 | 0 | 0 | 0.0% |
| Jefferson 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: 17 applications in 2025, of which 8 were originated and 1 denied.
5.9% of all applications, or 11.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Strong Home Mortgage originated in Kentucky in 2025 was 6.12%, against a statewide median of 6.75%.
About this data. Figures are Strong Home Mortgage'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