Stockton Mortgage in Kentucky vs the state
6.1%Denial rate-12.70 pts vs state
8.1%Decision denial rate-15.42 pts vs state
69.1%Origination rate+11.08 pts vs state
6.63%Median rate-0.13 pts vs state
0.49Rate spread (pts)+0.18 pts vs state
$84kMedian applicant income
2,250Loans originated
199Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,761 | 1,996 | 5.2% | 6.75% | #9 |
| 2024 | 3,503 | 2,490 | 5.5% | 6.63% | #6 |
| 2025 | 3,255 | 2,250 | 6.1% | 6.63% | #10 |
What Stockton Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Stockton Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 316 | 222 | 20 | 6.3% |
| Fayette County | 270 | 198 | 12 | 4.4% |
| Kenton County | 234 | 175 | 9 | 3.8% |
| Boone County | 177 | 130 | 6 | 3.4% |
| Campbell County | 173 | 137 | 6 | 3.5% |
| Scott County | 150 | 116 | 4 | 2.7% |
| Franklin County | 149 | 91 | 9 | 6.0% |
| Christian County | 90 | 53 | 7 | 7.8% |
| Madison County | 84 | 53 | 7 | 8.3% |
| Warren County | 69 | 48 | 6 | 8.7% |
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% |
| Stock Yards Bank & Trust | B | 3,044 | 19.8% | 6.50% |
Frequently asked questions
Kentucky: 3,255 applications in 2025, of which 2,250 were originated and 199 denied.
6.1% of all applications, or 8.1% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Stockton Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Stockton Mortgage'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