The Mortgage Warehouse,llc in Kentucky vs the state
2.5%Denial rate-16.31 pts vs state
3.2%Decision denial rate-20.32 pts vs state
76.3%Origination rate+18.21 pts vs state
6.50%Median rate-0.25 pts vs state
0.05Rate spread (pts)-0.26 pts vs state
$96kMedian applicant income
61Loans originated
2Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 114 | 85 | 6.1% | 6.75% | #164 |
| 2024 | 151 | 119 | 6.0% | 6.63% | #157 |
| 2025 | 80 | 61 | 2.5% | 6.50% | #227 |
What The Mortgage Warehouse,llc lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The Mortgage Warehouse,llc applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 44 | 35 | 1 | 2.3% |
| Oldham County | 8 | 6 | 0 | 0.0% |
| Shelby County | 6 | 5 | 1 | 16.7% |
| Nelson County | 4 | 3 | 0 | 0.0% |
| Bullitt County | 3 | 3 | 0 | 0.0% |
| Fayette County | 3 | 2 | 0 | 0.0% |
| Spencer County | 2 | 1 | 0 | 0.0% |
| Hardin County | 2 | 1 | 0 | 0.0% |
| Woodford County | 1 | 1 | 0 | 0.0% |
| Grayson County | 1 | 0 | 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: 80 applications in 2025, of which 61 were originated and 2 denied.
2.5% of all applications, or 3.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans The Mortgage Warehouse,llc originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are The Mortgage Warehouse,llc'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