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Kenton County, Kentucky · 2025

Mortgage lenders in Kenton County, KY: denial rates and top lenders (2025)

301 lenders acted on 8,262 mortgage applications for properties in Kenton County in 2025. 15.5% were denied (Kentucky: 18.8%). Median rate on closed loans 6.75%; median loan $175,000; median property value $305,000.

8.3kApplications
15.5%Denial ratestate 18.8%
6.75%Median ratestate 6.75%
$175,000Median loan
$305,000Median property value

Largest lenders in Kenton County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Fifth Third Bank D 519311 22.9%7.75%
2 The Huntington National Bank D 506310 23.9%7.49%
3 U.S. Bank D 411226 28.7%7.85%
4 Guardian Savings Bank B 393306 10.4%6.75%
5 United Shore Financial Services B 338265 6.2%6.38%
6 Victory Mortgage A 295259 2.7%6.13%
7 Rocket Mortgage C 295219 15.6%6.88%
8 Stockton Mortgage D 234175 3.9%6.63%
9 Crosscountry Mortgage B 232167 1.3%6.75%
10 Union Home Mortgage B 232167 4.3%6.50%
11 PNC Bank D 175112 18.3%7.56%
12 Truist Bank C 15973 36.5%6.34%
13 First Equity Mortgage C 14693 10.3%6.25%
14 Freedom Mortgage B 11555 6.1%6.38%
15 Pennymac Loan Services C 11464 11.4%6.56%
16 Success Mortgage Partners B 11194 0.0%6.06%
17 Heritage Bank C 10876 23.2%—
18 Guaranteed Rate B 10759 1.9%6.60%
19 First Financial Bank D 10167 24.8%6.00%
20 Mortgage Research Center C 9944 24.2%6.25%
21 CINFED Federal Credit Union C 9765 12.4%7.25%
22 German American Bank A 9673 5.2%6.88%
23 Newrez D 9239 23.9%6.63%
24 Third Federal Savings and Loan Association of Cleveland C 9162 15.4%6.92%
25 NFM A 8252 2.4%6.93%

Best approval odds in Kenton County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Success Mortgage Partners940.0%
2Union Savings Bank581.7%
3Crosscountry Mortgage1741.7%
4Victory Mortgage2673.0%
5Coastal Community Bank653.1%
6Guaranteed Rate623.2%
7NFM543.7%
8Stockton Mortgage1844.9%
9General Electric Credit Union605.0%
10Union Home Mortgage1805.6%

What Kenton County borrowers applied for

By loan purpose

Home purchase 3,623 44% · 8.4% denied
Refinance 1,312 16% · 13.3% denied
Cash-out refinance 1,320 16% · 18.5% denied
Home improvement 864 10% · 28.9% denied
Other / HELOC 1,143 14% · 27.1% denied

By loan type

Conventional 6,583 80% · 16.3% denied
FHA 1,159 14% · 12.3% denied
VA 498 6% · 13.9% denied
USDA / RHS 22 0% · 4.6% denied

Why applications were denied

Credit history 448 36%
Debt-to-income ratio 321 26%
Incomplete application 176 14%
Collateral 144 11%
Other 78 6%
Unverifiable information 44 4%
Insufficient cash 29 2%
Employment history 15 1%
Mortgage insurance denied 1 0%

Kenton County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20236,8954,25917.2%6.99%$155,000
20247,4314,71217.0%6.99%$165,000
20258,2625,21815.5%6.75%$175,000

Frequently asked questions

15.5% of applications in Kenton County were denied in 2025, against 18.8% statewide in Kentucky.

Fifth Third Bank, with 519 applications in 2025 and a denial rate of 22.9%.

The median mortgage application in Kenton County in 2025 was for $175,000; the median property value on originated loans was $305,000.