University of Kentucky in Kentucky vs the state
21.7%Denial rate+2.84 pts vs state
25.4%Decision denial rate+1.86 pts vs state
57.4%Origination rate-0.64 pts vs state
7.00%Median rate+0.25 pts vs state
-0.26Rate spread (pts)-0.57 pts vs state
$115kMedian applicant income
1,710Loans originated
645Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,445 | 1,443 | 25.4% | 7.99% | #15 |
| 2024 | 2,517 | 1,441 | 24.3% | 8.00% | #12 |
| 2025 | 2,979 | 1,710 | 21.7% | 7.00% | #12 |
What University of Kentucky lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most University of Kentucky applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 1,481 | 863 | 295 | 19.9% |
| Jessamine County | 265 | 163 | 58 | 21.9% |
| Jefferson County | 245 | 138 | 50 | 20.4% |
| Madison County | 163 | 92 | 30 | 18.4% |
| Scott County | 146 | 88 | 29 | 19.9% |
| Woodford County | 60 | 39 | 13 | 21.7% |
| Clark County | 51 | 29 | 11 | 21.6% |
| Oldham County | 47 | 29 | 10 | 21.3% |
| Franklin County | 41 | 21 | 9 | 22.0% |
| Bourbon County | 39 | 14 | 16 | 41.0% |
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: 2,979 applications in 2025, of which 1,710 were originated and 645 denied.
21.7% of all applications, or 25.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans University of Kentucky originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are University of Kentucky'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