T2 Financial in Kentucky vs the state
4.6%Denial rate-14.23 pts vs state
5.1%Decision denial rate-18.40 pts vs state
79.7%Origination rate+21.64 pts vs state
6.38%Median rate-0.38 pts vs state
0.31Rate spread (pts)0.00 pts vs state
$86kMedian applicant income
592Loans originated
34Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 51 | 4.8% | 7.00% | #215 |
| 2024 | 399 | 324 | 5.5% | 6.49% | #82 |
| 2025 | 743 | 592 | 4.6% | 6.38% | #59 |
What T2 Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most T2 Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 186 | 155 | 6 | 3.2% |
| Fayette County | 104 | 78 | 6 | 5.8% |
| Jefferson County | 63 | 55 | 3 | 4.8% |
| Boyle County | 28 | 22 | 2 | 7.1% |
| Lincoln County | 25 | 19 | 1 | 4.0% |
| Clark County | 24 | 14 | 2 | 8.3% |
| Scott County | 22 | 20 | 0 | 0.0% |
| Jessamine County | 22 | 15 | 2 | 9.1% |
| Garrard County | 21 | 20 | 0 | 0.0% |
| Franklin County | 19 | 16 | 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: 743 applications in 2025, of which 592 were originated and 34 denied.
4.6% of all applications, or 5.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans T2 Financial originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are T2 Financial'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