Zippy Loans in Kentucky vs the state
39.4%Denial rate+20.54 pts vs state
73.9%Decision denial rate+50.42 pts vs state
13.9%Origination rate-44.15 pts vs state
9.90%Median rate+3.15 pts vs state
0.04Rate spread (pts)-0.27 pts vs state
$47kMedian applicant income
30Loans originated
85Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 395 | 46 | 47.9% | 11.00% | #83 |
| 2025 | 216 | 30 | 39.4% | 9.90% | #141 |
What Zippy Loans lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Zippy Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Laurel County | 55 | 16 | 8 | 14.5% |
| Jefferson County | 32 | 6 | 13 | 40.6% |
| Boone County | 19 | 0 | 10 | 52.6% |
| Gallatin County | 12 | 1 | 6 | 50.0% |
| Kenton County | 9 | 2 | 2 | 22.2% |
| Grant County | 8 | 2 | 5 | 62.5% |
| Christian County | 8 | 1 | 4 | 50.0% |
| Madison County | 8 | 0 | 5 | 62.5% |
| Bullitt County | 5 | 1 | 2 | 40.0% |
| Daviess County | 4 | 0 | 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: 216 applications in 2025, of which 30 were originated and 85 denied.
39.4% of all applications, or 73.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Zippy Loans originated in Kentucky in 2025 was 9.90%, against a statewide median of 6.75%.
About this data. Figures are Zippy 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