The Monticello Banking in Kentucky vs the state
16.6%Denial rate-2.22 pts vs state
18.7%Decision denial rate-4.77 pts vs state
72.1%Origination rate+14.01 pts vs state
—Median rate
—Rate spread (pts)
$74kMedian applicant income
165Loans originated
38Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 395 | 280 | 14.7% | — | #81 |
| 2024 | 294 | 196 | 18.0% | — | #101 |
| 2025 | 229 | 165 | 16.6% | — | #132 |
What The Monticello Banking lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most The Monticello Banking applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 42 | 28 | 8 | 19.0% |
| Pulaski County | 28 | 19 | 4 | 14.3% |
| Harlan County | 18 | 8 | 8 | 44.4% |
| Clinton County | 18 | 11 | 2 | 11.1% |
| Laurel County | 15 | 10 | 5 | 33.3% |
| Fayette County | 14 | 12 | 0 | 0.0% |
| Russell County | 13 | 10 | 2 | 15.4% |
| Warren County | 11 | 10 | 1 | 9.1% |
| Boyle County | 8 | 8 | 0 | 0.0% |
| Madison County | 8 | 6 | 1 | 12.5% |
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: 229 applications in 2025, of which 165 were originated and 38 denied.
16.6% of all applications, or 18.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are The Monticello Banking'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