Kentucky’s FHA denial rate in 2025 was 21.3% across 19,268 decisioned applications — ranking #31 of 52 states. Among high-volume lenders, the lowest observed denial rate was Ark-La-Tex Financial Services LL at 7.1%; the highest was Amerisave Mortgage Company at 73.2%. The institutional spread inside Kentucky is 10.3×: the same FHA application faces a 7.1% observed denial rate at one high-volume door and 73.2% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | Kentucky FHA apps | Denial rate |
|---|---|---|
| Ark-La-Tex Financial Services LL | 411 | 7.1% |
| Union Home Mortgage Corp. | 310 | 10.0% |
| Crosscountry Mortgage, LLC | 290 | 10.0% |
| Liberty Federal Credit Union | 363 | 10.2% |
| Stockton Mortgage Corporation | 920 | 12.7% |
| United Wholesale Mortgage | 1,588 | 17.9% |
| Us Bank, N.A. | 285 | 17.9% |
| Freedom Mortgage Corporation | 830 | 18.6% |
| Pennymac Loan Services LLC | 584 | 21.6% |
| Northpointe Bank | 285 | 22.1% |
| New American Funding, LLC. | 655 | 23.5% |
| Rocket Mortgage | 2,059 | 27.1% |
| Loandepot.Com LLC | 320 | 44.4% |
| Lakeview Loan Servicing, LLC | 298 | 46.3% |
| Amerisave Mortgage Company | 544 | 73.2% |
Applications under $150K were denied 33.4% of the time versus 15.5% for loans of $250K+ — a 2.2× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.