United Cumberland Bank in Kentucky vs the state
7.2%Denial rate-11.62 pts vs state
7.9%Decision denial rate-15.58 pts vs state
83.0%Origination rate+24.97 pts vs state
—Median rate
—Rate spread (pts)
$72kMedian applicant income
127Loans originated
11Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 198 | 168 | 7.6% | — | #124 |
| 2024 | 193 | 170 | 5.7% | — | #135 |
| 2025 | 153 | 127 | 7.2% | — | #166 |
What United Cumberland Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most United Cumberland Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| McCreary County | 90 | 72 | 7 | 7.8% |
| Pulaski County | 49 | 42 | 4 | 8.2% |
| Wayne County | 7 | 6 | 0 | 0.0% |
| Fayette County | 3 | 3 | 0 | 0.0% |
| Taylor County | 1 | 1 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Casey County | 1 | 1 | 0 | 0.0% |
| Boyle 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: 153 applications in 2025, of which 127 were originated and 11 denied.
7.2% of all applications, or 7.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are United Cumberland 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