Traditional Mortgage Acceptance in Kentucky vs the state
9.1%Denial rate-9.72 pts vs state
10.0%Decision denial rate-13.49 pts vs state
81.8%Origination rate+23.78 pts vs state
5.63%Median rate-1.13 pts vs state
—Rate spread (pts)
$26kMedian applicant income
9Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 3 | 33.3% | 6.62% | #468 |
| 2025 | 11 | 9 | 9.1% | 5.63% | #401 |
What Traditional Mortgage Acceptance lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Traditional Mortgage Acceptance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jessamine County | 1 | 1 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Hopkins County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Mason County | 1 | 0 | 0 | 0.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Grayson County | 1 | 1 | 0 | 0.0% |
| Fayette 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: 11 applications in 2025, of which 9 were originated and 1 denied.
9.1% of all applications, or 10.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Traditional Mortgage Acceptance originated in Kentucky in 2025 was 5.63%, against a statewide median of 6.75%.
About this data. Figures are Traditional Mortgage Acceptance'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