Lender in Kentucky · HMDA 2025
Gershman Investment Corp. mortgages in Kentucky
Gershman Investment Corp.'s 2025 home-purchase and refinance lending in Kentucky, compared with all lenders in the state.
Gershman Investment Corp. originated 216 owner-occupied single-family loans in Kentucky from 227 completed applications.
Its median conventional purchase loan costs were $3,330 versus $4,000 for all Kentucky lenders, at a median 30-year fixed rate of 6.75% (Kentucky: 6.625%).
Loans in KY
216
of 227 applications
Denial rate
3.7%
Purchase · KY 8.2%
Rate spread
+0.42 pts
Conv. · KY +0.21 pts
Loan amount
$165,000
Purchase · KY $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 214 | 206 | 3.7% | 6.750% | +0.42 pts | $3,330 | $165,000 |
| Refinance | 6 | 6 | — | — | — | — | — |
| Cash-out refinance | 7 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Kentucky counties where Gershman Investment Corp. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| McCracken County | 2 | 67 | 8.2% |
| Marshall County | 3 | 32 | 7.8% |
| Graves County | 3 | 26 | 6.7% |
| Hickman County | 4 | 2 | 6.1% |
| Webster County | 5 | 4 | 4.9% |
| Carlisle County | 5 | 2 | 3.3% |
| Hopkins County | 6 | 22 | 4.2% |
| Calloway County | 6 | 19 | 5.5% |
| Livingston County | 6 | 3 | 4.5% |
| Crittenden County | 7 | 4 | 4.5% |
| Ballard County | 8 | 4 | 4.9% |
| Trigg County | 9 | 5 | 2.5% |
| Caldwell County | 10 | 4 | 2.9% |
| Lyon County | 15 | 2 | 2.8% |
| Christian County | 22 | 7 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology