Village Capital & Investment in Kentucky vs the state
23.0%Denial rate+4.17 pts vs state
31.0%Decision denial rate+7.54 pts vs state
26.8%Origination rate-31.23 pts vs state
5.75%Median rate-1.00 pts vs state
—Rate spread (pts)
$75kMedian applicant income
126Loans originated
108Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 68 | 17.1% | 5.94% | #95 |
| 2024 | 455 | 140 | 14.5% | 5.75% | #75 |
| 2025 | 470 | 126 | 23.0% | 5.75% | #81 |
What Village Capital & Investment lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 67 | 10 | 17 | 25.4% |
| Hardin County | 37 | 11 | 13 | 35.1% |
| Madison County | 20 | 8 | 4 | 20.0% |
| Warren County | 19 | 4 | 2 | 10.5% |
| Boone County | 19 | 6 | 4 | 21.1% |
| Pulaski County | 15 | 3 | 3 | 20.0% |
| Christian County | 15 | 5 | 2 | 13.3% |
| Fayette County | 14 | 5 | 3 | 21.4% |
| Kenton County | 11 | 6 | 1 | 9.1% |
| Scott County | 10 | 4 | 1 | 10.0% |
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: 470 applications in 2025, of which 126 were originated and 108 denied.
23.0% of all applications, or 31.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Village Capital & Investment originated in Kentucky in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are Village Capital & Investment'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