Victory Mortgage in Kentucky vs the state
2.9%Denial rate-15.93 pts vs state
3.2%Decision denial rate-20.28 pts vs state
86.7%Origination rate+28.61 pts vs state
6.00%Median rate-0.75 pts vs state
-0.29Rate spread (pts)-0.60 pts vs state
$117kMedian applicant income
753Loans originated
25Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 859 | 676 | 4.2% | 5.99% | #47 |
| 2024 | 894 | 782 | 2.0% | 5.88% | #48 |
| 2025 | 869 | 753 | 2.9% | 6.00% | #48 |
What Victory Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Victory Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kenton County | 294 | 259 | 8 | 2.7% |
| Boone County | 193 | 161 | 7 | 3.6% |
| Bullitt County | 125 | 113 | 3 | 2.4% |
| Jefferson County | 98 | 87 | 4 | 4.1% |
| Campbell County | 93 | 76 | 2 | 2.2% |
| Shelby County | 39 | 34 | 1 | 2.6% |
| Oldham County | 24 | 21 | 0 | 0.0% |
| Pulaski County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Hart County | 1 | 0 | 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: 869 applications in 2025, of which 753 were originated and 25 denied.
2.9% of all applications, or 3.2% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Victory Mortgage originated in Kentucky in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are Victory Mortgage'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