NVR Mortgage Finance in Kentucky vs the state
31.2%Denial rate+12.36 pts vs state
32.4%Decision denial rate+8.94 pts vs state
64.9%Origination rate+6.90 pts vs state
6.50%Median rate-0.25 pts vs state
0.32Rate spread (pts)+0.01 pts vs state
$74kMedian applicant income
50Loans originated
24Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 22 | 17 | 18.2% | 6.63% | #327 |
| 2025 | 77 | 50 | 31.2% | 6.50% | #231 |
What NVR Mortgage Finance lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most NVR Mortgage Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Simpson County | 77 | 50 | 24 | 31.2% |
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: 77 applications in 2025, of which 50 were originated and 24 denied.
31.2% of all applications, or 32.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans NVR Mortgage Finance originated in Kentucky in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are NVR Mortgage Finance'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