U.S. Bank in Kentucky vs the state
29.5%Denial rate+10.72 pts vs state
34.8%Decision denial rate+11.31 pts vs state
54.1%Origination rate-3.92 pts vs state
7.00%Median rate+0.25 pts vs state
0.70Rate spread (pts)+0.39 pts vs state
$80kMedian applicant income
2,645Loans originated
1,443Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,171 | 2,100 | 36.6% | 7.65% | #4 |
| 2024 | 4,437 | 2,348 | 32.3% | 7.38% | #4 |
| 2025 | 4,887 | 2,645 | 29.5% | 7.00% | #5 |
What U.S. Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most U.S. Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 997 | 602 | 262 | 26.3% |
| Kenton County | 411 | 226 | 118 | 28.7% |
| Boone County | 285 | 152 | 91 | 31.9% |
| Warren County | 257 | 150 | 68 | 26.5% |
| Fayette County | 256 | 119 | 79 | 30.9% |
| Campbell County | 228 | 116 | 69 | 30.3% |
| Daviess County | 216 | 139 | 43 | 19.9% |
| Madison County | 195 | 115 | 42 | 21.5% |
| McCracken County | 140 | 75 | 38 | 27.1% |
| Graves County | 109 | 75 | 26 | 23.9% |
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% |
| 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: 4,887 applications in 2025, of which 2,645 were originated and 1,443 denied.
29.5% of all applications, or 34.8% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans U.S. Bank originated in Kentucky in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are U.S. 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