The Sacramento Deposit Bank in Kentucky vs the state
5.2%Denial rate-13.66 pts vs state
5.2%Decision denial rate-18.34 pts vs state
92.8%Origination rate+34.74 pts vs state
—Median rate
1.01Rate spread (pts)+0.70 pts vs state
$84kMedian applicant income
90Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 80 | 70 | 3.8% | — | #195 |
| 2024 | 73 | 62 | 4.1% | — | #217 |
| 2025 | 97 | 90 | 5.2% | — | #212 |
What The Sacramento Deposit Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most The Sacramento Deposit Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hopkins County | 34 | 32 | 2 | 5.9% |
| McLean County | 26 | 24 | 1 | 3.8% |
| Grayson County | 15 | 13 | 2 | 13.3% |
| Muhlenberg County | 11 | 11 | 0 | 0.0% |
| Daviess County | 3 | 3 | 0 | 0.0% |
| Lyon County | 2 | 2 | 0 | 0.0% |
| Ohio County | 2 | 2 | 0 | 0.0% |
| Logan County | 1 | 1 | 0 | 0.0% |
| Breckinridge County | 1 | 1 | 0 | 0.0% |
| Edmonson County | 1 | 1 | 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: 97 applications in 2025, of which 90 were originated and 5 denied.
5.2% of all applications, or 5.2% 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 Sacramento Deposit 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