Newrez in Kentucky vs the state
20.1%Denial rate+1.30 pts vs state
35.6%Decision denial rate+12.10 pts vs state
35.7%Origination rate-22.32 pts vs state
6.63%Median rate-0.13 pts vs state
0.50Rate spread (pts)+0.19 pts vs state
$79kMedian applicant income
579Loans originated
326Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 800 | 224 | 23.3% | 6.75% | #50 |
| 2024 | 1,206 | 401 | 19.7% | 6.63% | #35 |
| 2025 | 1,621 | 579 | 20.1% | 6.63% | #27 |
What Newrez lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Newrez applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 267 | 94 | 58 | 21.7% |
| Boone County | 107 | 40 | 21 | 19.6% |
| Fayette County | 102 | 42 | 12 | 11.8% |
| Kenton County | 92 | 39 | 22 | 23.9% |
| Warren County | 77 | 34 | 12 | 15.6% |
| Campbell County | 44 | 15 | 8 | 18.2% |
| Madison County | 43 | 16 | 6 | 14.0% |
| Hardin County | 43 | 10 | 11 | 25.6% |
| Bullitt County | 41 | 7 | 12 | 29.3% |
| Oldham County | 33 | 17 | 2 | 6.1% |
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: 1,621 applications in 2025, of which 579 were originated and 326 denied.
20.1% of all applications, or 35.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Newrez originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Newrez'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