West Point Bank in Kentucky vs the state
8.4%Denial rate-10.42 pts vs state
8.6%Decision denial rate-14.85 pts vs state
84.5%Origination rate+26.48 pts vs state
—Median rate
—Rate spread (pts)
$94kMedian applicant income
262Loans originated
26Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 351 | 275 | 8.0% | — | #89 |
| 2024 | 331 | 268 | 8.8% | — | #93 |
| 2025 | 310 | 262 | 8.4% | — | #107 |
What West Point Bank lends in Kentucky
By loan purpose
By loan type
Where in Kentucky
Counties with the most West Point Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hardin County | 198 | 167 | 17 | 8.6% |
| Larue County | 37 | 31 | 4 | 10.8% |
| Meade County | 13 | 10 | 0 | 0.0% |
| Jefferson County | 12 | 11 | 1 | 8.3% |
| Breckinridge County | 11 | 10 | 1 | 9.1% |
| Grayson County | 11 | 10 | 1 | 9.1% |
| Hart County | 10 | 8 | 1 | 10.0% |
| Nelson County | 6 | 4 | 1 | 16.7% |
| Barren County | 5 | 5 | 0 | 0.0% |
| Bullitt County | 4 | 3 | 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: 310 applications in 2025, of which 262 were originated and 26 denied.
8.4% of all applications, or 8.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are West Point 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