Traditional Bank in Kentucky vs the state
10.1%Denial rate-8.72 pts vs state
10.8%Decision denial rate-12.72 pts vs state
83.0%Origination rate+25.00 pts vs state
7.25%Median rate+0.50 pts vs state
0.26Rate spread (pts)-0.05 pts vs state
$95kMedian applicant income
749Loans originated
91Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 902 | 748 | 7.7% | 7.50% | #43 |
| 2024 | 894 | 738 | 7.6% | 8.00% | #47 |
| 2025 | 902 | 749 | 10.1% | 7.25% | #46 |
What Traditional Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Traditional Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 156 | 141 | 8 | 5.1% |
| Montgomery County | 131 | 109 | 14 | 10.7% |
| Clark County | 99 | 85 | 8 | 8.1% |
| Jefferson County | 80 | 65 | 6 | 7.5% |
| Shelby County | 77 | 63 | 9 | 11.7% |
| Bourbon County | 71 | 56 | 14 | 19.7% |
| Franklin County | 65 | 51 | 9 | 13.8% |
| Menifee County | 44 | 35 | 6 | 13.6% |
| Jessamine County | 23 | 18 | 2 | 8.7% |
| Madison County | 16 | 12 | 1 | 6.3% |
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: 902 applications in 2025, of which 749 were originated and 91 denied.
10.1% of all applications, or 10.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Traditional Bank originated in Kentucky in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Traditional 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