Sierra Pacific Mortgage Company in Kentucky vs the state
5.3%Denial rate-13.55 pts vs state
6.7%Decision denial rate-16.82 pts vs state
73.7%Origination rate+15.64 pts vs state
6.75%Median rate0.00 pts vs state
0.25Rate spread (pts)-0.06 pts vs state
$81kMedian applicant income
14Loans originated
1Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 26 | 17.1% | 6.93% | #260 |
| 2024 | 23 | 15 | 17.4% | 6.50% | #323 |
| 2025 | 19 | 14 | 5.3% | 6.75% | #357 |
What Sierra Pacific Mortgage Company lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 5 | 4 | 1 | 20.0% |
| Bell County | 3 | 2 | 0 | 0.0% |
| Perry County | 2 | 2 | 0 | 0.0% |
| Oldham County | 1 | 1 | 0 | 0.0% |
| Marshall County | 1 | 1 | 0 | 0.0% |
| Breckinridge County | 1 | 1 | 0 | 0.0% |
| Meade County | 1 | 1 | 0 | 0.0% |
| Boyle County | 1 | 0 | 0 | 0.0% |
| Hardin County | 1 | 1 | 0 | 0.0% |
| Rockcastle County | 1 | 0 | 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: 19 applications in 2025, of which 14 were originated and 1 denied.
5.3% of all applications, or 6.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Sierra Pacific Mortgage Company originated in Kentucky in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Sierra Pacific Mortgage Company'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