COMMONWEALTH
COMMONWEALTH received 3,342 applications in 2025 and made 1,890 mortgages, in 127 counties across 15 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 2,779 decisions, 853 were denials — 30.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300CUF3Q2PQGM9256 |
|---|---|
| Applications received | 3,342 |
| Mortgages made | 1,890 |
| Denied | 853 |
| Approved, not taken up | 36 |
| Withdrawn or incomplete | 563 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.245 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 382 | 6.375% | $225,000 | 25.6% |
| Refinancing | 199 | 6.750% | $165,000 | 29.3% |
| Cash-out refinancing | 348 | 7.250% | $95,000 | 26.0% |
| Other purposes | 961 | 7.750% | $55,000 | 34.4% |
Where COMMONWEALTH lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Fayette County, KY | 296 | 7.250% | 21.5% |
| Franklin County, KY | 282 | 7.250% | 21.4% |
| Jefferson County, KY | 232 | 7.250% | 34.5% |
| Scott County, KY | 131 | 7.250% | 26.3% |
| Anderson County, KY | 114 | 7.500% | 35.9% |
| Shelby County, KY | 94 | 7.500% | 34.5% |
| Madison County, KY | 79 | 7.250% | 29.0% |
| Woodford County, KY | 59 | 7.250% | 28.6% |
| Jessamine County, KY | 53 | 7.000% | 30.8% |
| Mercer County, KY | 46 | 7.313% | 29.8% |
| Owen County, KY | 36 | 7.250% | 42.2% |
| Bourbon County, KY | 26 | 7.125% | 16.1% |
| Clark County, KY | 25 | 6.750% | 10.7% |
| Oldham County, KY | 24 | 7.250% | 35.1% |
| Boyle County, KY | 20 | 7.250% | 33.3% |
| Garrard County, KY | 20 | 7.500% | 16.0% |
| Bullitt County, KY | 18 | 7.750% | 21.7% |
| Henry County, KY | 17 | 7.250% | 41.4% |
| Montgomery County, KY | 17 | 7.250% | 28.0% |
| Pulaski County, KY | 13 | 7.000% | 37.5% |
| Kenton County, KY | 12 | 8.375% | 35.0% |
| Nelson County, KY | 12 | 8.500% | 20.0% |
| Spencer County, KY | 12 | 8.500% | 14.3% |
| Harrison County, KY | 11 | 7.500% | 47.6% |
| Lincoln County, KY | 11 | 7.250% | 35.3% |
| Floyd County, IN | 9 | Under 10 loans | 43.8% |
| Bath County, KY | 9 | Under 10 loans | 18.2% |
| Estill County, KY | 9 | Under 10 loans | 18.2% |
| Clark County, IN | 8 | Under 10 loans | 50.0% |
| Boone County, KY | 8 | Under 10 loans | 42.9% |
| Warren County, KY | 8 | Under 10 loans | 33.3% |
| Boyd County, KY | 7 | Under 10 loans | 36.4% |
| Fleming County, KY | 7 | Under 10 loans | 33.3% |
| Johnson County, KY | 7 | Under 10 loans | 30.0% |
| Campbell County, KY | 6 | Under 10 loans | 33.3% |
| Laurel County, KY | 6 | Under 10 loans | 41.7% |
| Nicholas County, KY | 6 | Under 10 loans | 53.8% |
| Rockcastle County, KY | 6 | Under 10 loans | 40.0% |
| Trimble County, KY | 6 | Under 10 loans | 53.8% |
| Christian County, KY | 5 | Under 10 loans | 0.0% |
| Floyd County, KY | 5 | Under 10 loans | 37.5% |
| Hardin County, KY | 5 | Under 10 loans | 54.6% |
| Washington County, KY | 5 | Under 10 loans | 37.5% |
| Bell County, KY | 4 | Under 10 loans | 16.7% |
| Breathitt County, KY | 4 | Under 10 loans | 20.0% |
| Grant County, KY | 4 | Under 10 loans | 50.0% |
| Grayson County, KY | 4 | Under 10 loans | 0.0% |
| Marion County, KY | 4 | Under 10 loans | 16.7% |
| Menifee County, KY | 4 | Under 10 loans | 42.9% |
| Perry County, KY | 4 | Under 10 loans | 20.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.