Vanderbilt Mortgage and Finance in Kentucky vs the state
44.8%Denial rate+25.96 pts vs state
73.3%Decision denial rate+49.76 pts vs state
14.0%Origination rate-44.05 pts vs state
9.50%Median rate+2.75 pts vs state
3.60Rate spread (pts)+3.29 pts vs state
$57kMedian applicant income
1,150Loans originated
3,680Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,835 | 972 | 44.6% | 9.50% | #1 |
| 2024 | 8,151 | 1,137 | 45.4% | 9.25% | #1 |
| 2025 | 8,220 | 1,150 | 44.8% | 9.50% | #2 |
What Vanderbilt Mortgage and Finance lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Vanderbilt Mortgage and Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 522 | 56 | 260 | 49.8% |
| Whitley County | 382 | 40 | 196 | 51.3% |
| Jefferson County | 351 | 165 | 78 | 22.2% |
| Pike County | 342 | 38 | 169 | 49.4% |
| Floyd County | 243 | 32 | 96 | 39.5% |
| Knox County | 221 | 26 | 102 | 46.2% |
| Pulaski County | 213 | 21 | 90 | 42.3% |
| Bell County | 210 | 20 | 114 | 54.3% |
| Madison County | 184 | 18 | 94 | 51.1% |
| Grant County | 172 | 27 | 69 | 40.1% |
Other large lenders in Kentucky
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 8,420 | 18.1% | 6.75% |
| 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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 8,220 applications in 2025, of which 1,150 were originated and 3,680 denied.
44.8% of all applications, or 73.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Vanderbilt Mortgage and Finance originated in Kentucky in 2025 was 9.50%, against a statewide median of 6.75%.
About this data. Figures are Vanderbilt Mortgage and Finance'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