New Day Financial in Kentucky vs the state
24.5%Denial rate+5.73 pts vs state
50.5%Decision denial rate+27.04 pts vs state
21.8%Origination rate-36.27 pts vs state
6.99%Median rate+0.24 pts vs state
0.63Rate spread (pts)+0.32 pts vs state
$70kMedian applicant income
212Loans originated
239Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 697 | 149 | 25.8% | 7.50% | #58 |
| 2024 | 931 | 152 | 24.6% | 7.75% | #43 |
| 2025 | 974 | 212 | 24.5% | 6.99% | #43 |
What New Day Financial lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most New Day Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 136 | 22 | 38 | 27.9% |
| Hardin County | 83 | 24 | 23 | 27.7% |
| Kenton County | 42 | 9 | 10 | 23.8% |
| Fayette County | 42 | 11 | 10 | 23.8% |
| Madison County | 41 | 9 | 11 | 26.8% |
| Christian County | 36 | 9 | 9 | 25.0% |
| Boone County | 34 | 7 | 8 | 23.5% |
| Pulaski County | 23 | 2 | 7 | 30.4% |
| Bullitt County | 21 | 2 | 7 | 33.3% |
| Daviess County | 18 | 4 | 7 | 38.9% |
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: 974 applications in 2025, of which 212 were originated and 239 denied.
24.5% of all applications, or 50.5% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans New Day Financial originated in Kentucky in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are New Day Financial'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