The Loan Store in Kentucky vs the state
7.5%Denial rate-11.34 pts vs state
8.5%Decision denial rate-14.99 pts vs state
73.5%Origination rate+15.41 pts vs state
6.63%Median rate-0.13 pts vs state
0.31Rate spread (pts)0.00 pts vs state
$107kMedian applicant income
462Loans originated
47Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 35 | 28 | 5.7% | 6.88% | #270 |
| 2024 | 271 | 190 | 3.7% | 6.63% | #106 |
| 2025 | 629 | 462 | 7.5% | 6.63% | #67 |
What The Loan Store lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The Loan Store applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 342 | 246 | 33 | 9.6% |
| Oldham County | 36 | 28 | 1 | 2.8% |
| Kenton County | 26 | 23 | 0 | 0.0% |
| Boone County | 25 | 21 | 0 | 0.0% |
| Bullitt County | 23 | 18 | 1 | 4.3% |
| Campbell County | 18 | 13 | 0 | 0.0% |
| Shelby County | 16 | 11 | 0 | 0.0% |
| Fayette County | 15 | 11 | 0 | 0.0% |
| Spencer County | 11 | 9 | 1 | 9.1% |
| Warren County | 11 | 7 | 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: 629 applications in 2025, of which 462 were originated and 47 denied.
7.5% of all applications, or 8.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans The Loan Store originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are The Loan Store'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