Tomo Mortgage in Kentucky vs the state
5.5%Denial rate-13.32 pts vs state
13.9%Decision denial rate-9.60 pts vs state
33.0%Origination rate-25.07 pts vs state
6.63%Median rate-0.13 pts vs state
0.18Rate spread (pts)-0.14 pts vs state
$148kMedian applicant income
30Loans originated
5Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 20 | 5 | 0.0% | 6.38% | #334 |
| 2025 | 91 | 30 | 5.5% | 6.63% | #216 |
What Tomo Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Tomo Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 21 | 4 | 1 | 4.8% |
| Fayette County | 9 | 4 | 0 | 0.0% |
| Kenton County | 7 | 4 | 0 | 0.0% |
| Scott County | 6 | 1 | 0 | 0.0% |
| Oldham County | 6 | 2 | 2 | 33.3% |
| Jessamine County | 5 | 1 | 1 | 20.0% |
| Shelby County | 3 | 1 | 0 | 0.0% |
| Boone County | 3 | 0 | 0 | 0.0% |
| Pulaski County | 3 | 2 | 0 | 0.0% |
| Marshall County | 3 | 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: 91 applications in 2025, of which 30 were originated and 5 denied.
5.5% 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 Tomo Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Tomo Mortgage'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