Wells Fargo Bank in Kentucky vs the state
20.3%Denial rate+1.50 pts vs state
29.6%Decision denial rate+6.06 pts vs state
47.5%Origination rate-10.54 pts vs state
6.38%Median rate-0.38 pts vs state
0.14Rate spread (pts)-0.18 pts vs state
$90kMedian applicant income
152Loans originated
65Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 496 | 237 | 23.2% | 6.38% | #73 |
| 2024 | 388 | 177 | 25.0% | 6.50% | #84 |
| 2025 | 320 | 152 | 20.3% | 6.38% | #104 |
What Wells Fargo Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Wells Fargo Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 77 | 27 | 17 | 22.1% |
| Fayette County | 23 | 14 | 3 | 13.0% |
| Boone County | 12 | 9 | 1 | 8.3% |
| Hardin County | 11 | 5 | 4 | 36.4% |
| Warren County | 10 | 4 | 2 | 20.0% |
| Bullitt County | 10 | 6 | 2 | 20.0% |
| Daviess County | 9 | 5 | 2 | 22.2% |
| McCracken County | 9 | 4 | 1 | 11.1% |
| Kenton County | 7 | 3 | 2 | 28.6% |
| Scott County | 7 | 5 | 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: 320 applications in 2025, of which 152 were originated and 65 denied.
20.3% of all applications, or 29.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Wells Fargo Bank originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Wells Fargo 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