United Community Bank in Kentucky vs the state
40.0%Denial rate+21.19 pts vs state
50.0%Decision denial rate+26.51 pts vs state
40.0%Origination rate-18.04 pts vs state
6.00%Median rate-0.75 pts vs state
-0.47Rate spread (pts)-0.78 pts vs state
$45kMedian applicant income
2Loans originated
2Denied
What United Community Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Christian County | 4 | 2 | 1 | 25.0% |
| Trigg County | 1 | 0 | 1 | 100.0% |
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: 5 applications in 2025, of which 2 were originated and 2 denied.
40.0% of all applications, or 50.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans United Community Bank originated in Kentucky in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are United Community 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