Nationstar Mortgage in Kentucky vs the state
13.1%Denial rate-5.75 pts vs state
15.3%Decision denial rate-8.19 pts vs state
70.7%Origination rate+12.66 pts vs state
7.75%Median rate+1.00 pts vs state
1.91Rate spread (pts)+1.60 pts vs state
$86kMedian applicant income
666Loans originated
123Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 482 | 330 | 11.6% | 6.50% | #76 |
| 2024 | 698 | 484 | 13.0% | 7.38% | #58 |
| 2025 | 942 | 666 | 13.1% | 7.75% | #45 |
What Nationstar Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Nationstar Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 183 | 124 | 23 | 12.6% |
| Fayette County | 87 | 63 | 12 | 13.8% |
| Boone County | 50 | 40 | 5 | 10.0% |
| Hardin County | 46 | 35 | 5 | 10.9% |
| Kenton County | 44 | 38 | 1 | 2.3% |
| Bullitt County | 35 | 23 | 7 | 20.0% |
| Warren County | 31 | 23 | 3 | 9.7% |
| Oldham County | 29 | 24 | 2 | 6.9% |
| Scott County | 26 | 18 | 7 | 26.9% |
| McCracken County | 22 | 11 | 7 | 31.8% |
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: 942 applications in 2025, of which 666 were originated and 123 denied.
13.1% of all applications, or 15.3% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Nationstar Mortgage originated in Kentucky in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Nationstar 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