Southwest Stage Funding in Kentucky vs the state
4.4%Denial rate-14.41 pts vs state
12.4%Decision denial rate-11.08 pts vs state
11.7%Origination rate-46.30 pts vs state
8.20%Median rate+1.45 pts vs state
2.28Rate spread (pts)+1.97 pts vs state
$70kMedian applicant income
48Loans originated
18Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 72 | 39 | 41.7% | 8.20% | #204 |
| 2024 | 42 | 21 | 16.7% | 8.90% | #261 |
| 2025 | 409 | 48 | 4.4% | 8.20% | #90 |
What Southwest Stage Funding lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Southwest Stage Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Grant County | 24 | 1 | 5 | 20.8% |
| Carter County | 18 | 1 | 0 | 0.0% |
| Pike County | 17 | 3 | 0 | 0.0% |
| Laurel County | 13 | 1 | 0 | 0.0% |
| Boyd County | 12 | 3 | 0 | 0.0% |
| Floyd County | 11 | 0 | 0 | 0.0% |
| Owen County | 10 | 0 | 0 | 0.0% |
| Pulaski County | 9 | 2 | 0 | 0.0% |
| Grayson County | 9 | 0 | 1 | 11.1% |
| Muhlenberg County | 9 | 2 | 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: 409 applications in 2025, of which 48 were originated and 18 denied.
4.4% of all applications, or 12.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Southwest Stage Funding originated in Kentucky in 2025 was 8.20%, against a statewide median of 6.75%.
About this data. Figures are Southwest Stage Funding'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