Swbc Mortgage in Kentucky vs the state
3.3%Denial rate-15.48 pts vs state
4.4%Decision denial rate-19.05 pts vs state
68.3%Origination rate+10.29 pts vs state
6.38%Median rate-0.38 pts vs state
0.28Rate spread (pts)-0.04 pts vs state
$98kMedian applicant income
41Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 44 | 6.7% | 6.69% | #220 |
| 2024 | 59 | 46 | 5.1% | 6.56% | #231 |
| 2025 | 60 | 41 | 3.3% | 6.38% | #248 |
What Swbc Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Swbc Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 20 | 15 | 1 | 5.0% |
| Christian County | 8 | 5 | 0 | 0.0% |
| Jessamine County | 5 | 3 | 1 | 20.0% |
| Jefferson County | 4 | 2 | 0 | 0.0% |
| Garrard County | 4 | 2 | 0 | 0.0% |
| Clark County | 3 | 1 | 0 | 0.0% |
| Henderson County | 2 | 2 | 0 | 0.0% |
| Simpson County | 2 | 1 | 0 | 0.0% |
| Woodford County | 2 | 1 | 0 | 0.0% |
| Boyle County | 2 | 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: 60 applications in 2025, of which 41 were originated and 2 denied.
3.3% of all applications, or 4.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Swbc Mortgage originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Swbc 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