Nations Direct Mortgage in Kentucky vs the state
23.3%Denial rate+4.52 pts vs state
25.9%Decision denial rate+2.44 pts vs state
66.7%Origination rate+8.63 pts vs state
6.25%Median rate-0.50 pts vs state
0.16Rate spread (pts)-0.15 pts vs state
$89kMedian applicant income
20Loans originated
7Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 10 | 4.6% | 7.25% | #309 |
| 2024 | 32 | 23 | 6.3% | 6.63% | #294 |
| 2025 | 30 | 20 | 23.3% | 6.25% | #312 |
What Nations Direct Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 11 | 4 | 4 | 36.4% |
| Kenton County | 6 | 4 | 2 | 33.3% |
| Boone County | 4 | 3 | 1 | 25.0% |
| Bullitt County | 3 | 3 | 0 | 0.0% |
| Oldham County | 2 | 2 | 0 | 0.0% |
| Spencer County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
| Hardin County | 1 | 1 | 0 | 0.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
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: 30 applications in 2025, of which 20 were originated and 7 denied.
23.3% of all applications, or 25.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Nations Direct Mortgage originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Nations Direct Mortgage'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