Zillow Home Loans in Kentucky vs the state
7.6%Denial rate-11.26 pts vs state
10.0%Decision denial rate-13.49 pts vs state
67.3%Origination rate+9.26 pts vs state
6.63%Median rate-0.13 pts vs state
0.60Rate spread (pts)+0.29 pts vs state
$77kMedian applicant income
107Loans originated
12Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 84 | 52 | 8.3% | 6.75% | #191 |
| 2024 | 115 | 72 | 17.4% | 6.75% | #176 |
| 2025 | 159 | 107 | 7.6% | 6.63% | #163 |
What Zillow Home Loans lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 42 | 24 | 4 | 9.5% |
| Boone County | 10 | 9 | 0 | 0.0% |
| Kenton County | 9 | 5 | 0 | 0.0% |
| Scott County | 6 | 5 | 0 | 0.0% |
| Campbell County | 6 | 5 | 0 | 0.0% |
| McCracken County | 4 | 3 | 0 | 0.0% |
| Shelby County | 4 | 3 | 0 | 0.0% |
| Bullitt County | 4 | 3 | 0 | 0.0% |
| Clark County | 3 | 2 | 0 | 0.0% |
| Harrison County | 3 | 1 | 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: 159 applications in 2025, of which 107 were originated and 12 denied.
7.6% of all applications, or 10.0% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Zillow Home Loans originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Zillow Home Loans'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