WesBanco Bank in Kentucky vs the state
21.8%Denial rate+2.94 pts vs state
24.6%Decision denial rate+1.06 pts vs state
64.1%Origination rate+6.01 pts vs state
3.99%Median rate-2.76 pts vs state
-3.03Rate spread (pts)-3.34 pts vs state
$88kMedian applicant income
645Loans originated
219Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,128 | 713 | 22.9% | 3.99% | #34 |
| 2024 | 1,069 | 674 | 24.0% | 3.99% | #41 |
| 2025 | 1,007 | 645 | 21.8% | 3.99% | #42 |
What WesBanco Bank lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most WesBanco Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hardin County | 118 | 75 | 24 | 20.3% |
| Fayette County | 108 | 71 | 17 | 15.7% |
| Campbell County | 97 | 71 | 17 | 17.5% |
| Jefferson County | 93 | 63 | 16 | 17.2% |
| Franklin County | 82 | 42 | 27 | 32.9% |
| Scott County | 76 | 47 | 19 | 25.0% |
| Bullitt County | 62 | 49 | 5 | 8.1% |
| Anderson County | 43 | 32 | 8 | 18.6% |
| Nelson County | 41 | 23 | 10 | 24.4% |
| Jessamine County | 40 | 28 | 9 | 22.5% |
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: 1,007 applications in 2025, of which 645 were originated and 219 denied.
21.8% of all applications, or 24.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans WesBanco Bank originated in Kentucky in 2025 was 3.99%, against a statewide median of 6.75%.
About this data. Figures are WesBanco 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