Union Home Mortgage in Kentucky vs the state
6.7%Denial rate-12.15 pts vs state
8.2%Decision denial rate-15.28 pts vs state
73.4%Origination rate+15.38 pts vs state
6.50%Median rate-0.25 pts vs state
0.34Rate spread (pts)+0.03 pts vs state
$93kMedian applicant income
1,069Loans originated
97Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 574 | 423 | 5.6% | 7.00% | #67 |
| 2024 | 928 | 703 | 6.7% | 6.63% | #44 |
| 2025 | 1,456 | 1,069 | 6.7% | 6.50% | #32 |
What Union Home Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 232 | 167 | 10 | 4.3% |
| Boone County | 190 | 140 | 8 | 4.2% |
| Jefferson County | 145 | 110 | 10 | 6.9% |
| Campbell County | 105 | 80 | 3 | 2.9% |
| Warren County | 76 | 64 | 2 | 2.6% |
| Calloway County | 46 | 37 | 3 | 6.5% |
| Hardin County | 36 | 26 | 5 | 13.9% |
| Fayette County | 35 | 28 | 3 | 8.6% |
| Nelson County | 31 | 23 | 3 | 9.7% |
| Grant County | 30 | 24 | 1 | 3.3% |
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: 1,456 applications in 2025, of which 1,069 were originated and 97 denied.
6.7% of all applications, or 8.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Union Home Mortgage originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Union Home 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