The North Side Bank & Trust in Kentucky vs the state
13.9%Denial rate-4.92 pts vs state
13.9%Decision denial rate-9.60 pts vs state
77.8%Origination rate+19.74 pts vs state
7.00%Median rate+0.25 pts vs state
-0.26Rate spread (pts)-0.57 pts vs state
$159kMedian applicant income
28Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 32 | 13.6% | 7.75% | #250 |
| 2024 | 44 | 37 | 9.1% | 8.00% | #254 |
| 2025 | 36 | 28 | 13.9% | 7.00% | #295 |
What The North Side Bank & Trust lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most The North Side Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 18 | 14 | 2 | 11.1% |
| Campbell County | 12 | 9 | 3 | 25.0% |
| Boone County | 6 | 5 | 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: 36 applications in 2025, of which 28 were originated and 5 denied.
13.9% of all applications, or 13.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans The North Side Bank & Trust originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are The North Side Bank & Trust'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