Sun West Mortgage Company in Kentucky vs the state
13.7%Denial rate-5.08 pts vs state
14.4%Decision denial rate-9.06 pts vs state
52.0%Origination rate-6.08 pts vs state
6.38%Median rate-0.38 pts vs state
0.27Rate spread (pts)-0.04 pts vs state
$80kMedian applicant income
53Loans originated
14Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 38 | 19.7% | 6.88% | #212 |
| 2024 | 76 | 48 | 13.2% | 6.25% | #214 |
| 2025 | 102 | 53 | 13.7% | 6.38% | #207 |
What Sun West Mortgage Company lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Sun West Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 11 | 8 | 2 | 18.2% |
| Kenton County | 5 | 3 | 2 | 40.0% |
| Bath County | 5 | 2 | 1 | 20.0% |
| Hardin County | 5 | 3 | 0 | 0.0% |
| Daviess County | 4 | 1 | 2 | 50.0% |
| Franklin County | 4 | 3 | 0 | 0.0% |
| Fayette County | 4 | 3 | 1 | 25.0% |
| Anderson County | 4 | 3 | 0 | 0.0% |
| Pulaski County | 4 | 1 | 0 | 0.0% |
| Christian County | 3 | 1 | 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: 102 applications in 2025, of which 53 were originated and 14 denied.
13.7% of all applications, or 14.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Sun West Mortgage Company originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Sun West 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