Truist Bank in Kentucky vs the state
33.3%Denial rate+14.52 pts vs state
39.0%Decision denial rate+15.54 pts vs state
49.9%Origination rate-8.11 pts vs state
6.60%Median rate-0.15 pts vs state
0.11Rate spread (pts)-0.20 pts vs state
$76kMedian applicant income
1,026Loans originated
685Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,908 | 908 | 39.1% | 7.20% | #18 |
| 2024 | 1,855 | 855 | 38.1% | 7.19% | #20 |
| 2025 | 2,055 | 1,026 | 33.3% | 6.60% | #20 |
What Truist Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Truist Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 538 | 268 | 194 | 36.1% |
| Kenton County | 159 | 73 | 58 | 36.5% |
| Warren County | 124 | 68 | 42 | 33.9% |
| Fayette County | 123 | 63 | 40 | 32.5% |
| Boone County | 119 | 61 | 42 | 35.3% |
| Daviess County | 93 | 47 | 20 | 21.5% |
| Campbell County | 59 | 28 | 27 | 45.8% |
| Bullitt County | 52 | 26 | 22 | 42.3% |
| Christian County | 52 | 31 | 15 | 28.8% |
| Barren County | 41 | 15 | 20 | 48.8% |
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: 2,055 applications in 2025, of which 1,026 were originated and 685 denied.
33.3% of all applications, or 39.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Truist Bank originated in Kentucky in 2025 was 6.60%, against a statewide median of 6.75%.
About this data. Figures are Truist 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