LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in Kentucky vs the state
10.8%Denial rate-7.98 pts vs state
15.9%Decision denial rate-7.64 pts vs state
50.0%Origination rate-8.04 pts vs state
6.00%Median rate-0.75 pts vs state
-0.14Rate spread (pts)-0.45 pts vs state
$130kMedian applicant income
60Loans originated
13Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 6 | 3.7% | 5.81% | #299 |
| 2024 | 25 | 11 | 20.0% | 6.50% | #311 |
| 2025 | 120 | 60 | 10.8% | 6.00% | #189 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 24 | 11 | 2 | 8.3% |
| Fayette County | 14 | 8 | 2 | 14.3% |
| Kenton County | 7 | 3 | 0 | 0.0% |
| Scott County | 7 | 5 | 0 | 0.0% |
| Boone County | 6 | 4 | 0 | 0.0% |
| Warren County | 4 | 3 | 0 | 0.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Nelson County | 4 | 2 | 0 | 0.0% |
| Woodford County | 4 | 2 | 0 | 0.0% |
| Oldham County | 4 | 1 | 1 | 25.0% |
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: 120 applications in 2025, of which 60 were originated and 13 denied.
10.8% of all applications, or 15.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in Kentucky in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home 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