The Cecilian Bank in Kentucky vs the state
6.0%Denial rate-12.85 pts vs state
6.6%Decision denial rate-16.89 pts vs state
80.7%Origination rate+22.66 pts vs state
7.50%Median rate+0.75 pts vs state
0.28Rate spread (pts)-0.03 pts vs state
$89kMedian applicant income
690Loans originated
51Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 857 | 672 | 7.1% | 8.00% | #48 |
| 2024 | 776 | 598 | 7.4% | 8.25% | #53 |
| 2025 | 855 | 690 | 6.0% | 7.50% | #49 |
What The Cecilian Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The Cecilian Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hardin County | 245 | 200 | 13 | 5.3% |
| Grayson County | 158 | 132 | 7 | 4.4% |
| Hart County | 122 | 102 | 4 | 3.3% |
| Breckinridge County | 111 | 83 | 9 | 8.1% |
| Meade County | 98 | 75 | 11 | 11.2% |
| Ohio County | 23 | 20 | 0 | 0.0% |
| Barren County | 21 | 20 | 0 | 0.0% |
| Larue County | 18 | 14 | 3 | 16.7% |
| Edmonson County | 14 | 10 | 1 | 7.1% |
| Metcalfe County | 6 | 4 | 1 | 16.7% |
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: 855 applications in 2025, of which 690 were originated and 51 denied.
6.0% of all applications, or 6.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans The Cecilian Bank originated in Kentucky in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are The Cecilian Bank'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