United Trust Bank in Kentucky vs the state
21.1%Denial rate+2.24 pts vs state
22.2%Decision denial rate-1.27 pts vs state
68.4%Origination rate+10.38 pts vs state
6.50%Median rate-0.25 pts vs state
0.71Rate spread (pts)+0.40 pts vs state
$67kMedian applicant income
13Loans originated
4Denied
What United Trust Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 5 | 3 | 2 | 40.0% |
| Hardin County | 2 | 1 | 1 | 50.0% |
| Pulaski County | 2 | 0 | 1 | 50.0% |
| Campbell County | 1 | 1 | 0 | 0.0% |
| Daviess County | 1 | 1 | 0 | 0.0% |
| Nelson County | 1 | 1 | 0 | 0.0% |
| Kenton County | 1 | 0 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Todd County | 1 | 1 | 0 | 0.0% |
| Boyd 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: 19 applications in 2025, of which 13 were originated and 4 denied.
21.1% of all applications, or 22.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans United Trust Bank originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Trust 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