United Shore Financial Services in Kentucky vs the state
9.8%Denial rate-8.97 pts vs state
11.2%Decision denial rate-12.29 pts vs state
76.3%Origination rate+18.25 pts vs state
6.50%Median rate-0.25 pts vs state
0.23Rate spread (pts)-0.08 pts vs state
$78kMedian applicant income
5,242Loans originated
676Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,195 | 3,321 | 8.2% | 6.75% | #3 |
| 2024 | 5,893 | 4,643 | 9.0% | 6.63% | #3 |
| 2025 | 6,871 | 5,242 | 9.8% | 6.50% | #3 |
What United Shore Financial Services lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 2,320 | 1,851 | 218 | 9.4% |
| Hardin County | 388 | 313 | 27 | 7.0% |
| Kenton County | 338 | 265 | 21 | 6.2% |
| Fayette County | 312 | 237 | 27 | 8.7% |
| Boone County | 243 | 181 | 24 | 9.9% |
| Bullitt County | 199 | 153 | 24 | 12.1% |
| Campbell County | 191 | 149 | 11 | 5.8% |
| Daviess County | 155 | 126 | 14 | 9.0% |
| Oldham County | 154 | 123 | 10 | 6.5% |
| Boyd County | 129 | 102 | 10 | 7.8% |
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% |
| 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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 6,871 applications in 2025, of which 5,242 were originated and 676 denied.
9.8% of all applications, or 11.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans United Shore Financial Services originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Shore Financial Services'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