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Stockton Mortgage Corporation in Kentucky
HMDA record for properties in Kentucky, calendar year 2024. National record · Kentucky overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Kentucky, Stockton Mortgage Corporation reported 3,503 applications and 2,490 originations for 2024, $572m in all.
Its denial rate in the state was 7.2%, below the Kentucky rate of 25.0% across all lenders and compared with the lender's national rate of 9.1%.
The median rate spread on its Kentucky originations was 0.5 percentage points (state median 0.4).
Applications in the state were up 27% on 2023.
Compared with the state and the lender's national record
| Measure | In Kentucky | Kentucky, all lenders | Stockton Mortgage Corporation, all states | United States |
|---|---|---|---|---|
| Denial rate | 7.2% | 25.0% | 9.1% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.5 | 0.3 |
| Originations with spread of 1.5 pp or more | 4.1% | 16.0% | 5.0% | 15.6% |
| Average originated loan | $230k | $219k | $247k | $329k |
| Home purchase share | 89.9% | 55.3% | 87.4% | 57.0% |
| FHA-insured share | 38.0% | 14.6% | 38.6% | 13.4% |
| VA-guaranteed share | 7.8% | 8.0% | 9.7% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateKentucky, all lenders
Loan purpose and loan type in Kentucky
By purpose
Home purchase 90% (2,239)Refinancing 3% (84)Cash-out refinancing 6% (152)Other purpose 1% (15)
By type
Conventional 48% (1,185)FHA 38% (945)VA 8% (194)USDA 7% (166)
Denial reasons as coded
Share of 193 denials in Kentucky by first denial reason coded (outlined bar: all lenders in the state).
Counties in Kentucky
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Jefferson County | 412 | 272 | $72m | 6.8% |
| Fayette County | 307 | 232 | $68m | 7.2% |
| Kenton County | 242 | 189 | $42m | 2.6% |
| Campbell County | 181 | 140 | $33m | 2.8% |
| Scott County | 160 | 133 | $38m | 2.9% |
| Boone County | 151 | 120 | $31m | 2.4% |
| Christian County | 90 | 74 | $15m | 0.0% |
| Franklin County | 124 | 71 | $15m | 9.0% |
| Jessamine County | 87 | 67 | $20m | 5.6% |
| Marion County | 76 | 64 | $11m | 4.5% |
| Warren County | 74 | 53 | $14m | 10.2% |
| Madison County | 62 | 46 | $12m | 6.1% |
| Anderson County | 66 | 39 | $8.2m | 11.4% |
| Pike County | 59 | 37 | $6.1m | 14.0% |
| Floyd County | 50 | 36 | $4.3m | 10.0% |
| Nelson County | 47 | 35 | $7.4m | 7.9% |
| Bullitt County | 47 | 35 | $8.9m | 2.8% |
| Boyd County | 43 | 29 | $4.3m | 6.5% |
| Clark County | 38 | 29 | $6.8m | 3.1% |
| Woodford County | 39 | 28 | $7.7m | 0.0% |
| Muhlenberg County | 36 | 25 | $4.0m | 10.7% |
| Greenup County | 39 | 24 | $3.9m | 11.1% |
| Trigg County | 33 | 24 | $4.7m | 10.7% |
| McCracken County | 37 | 23 | $4.2m | 11.5% |
| Grant County | 36 | 23 | $5.5m | 14.8% |
| Johnson County | 36 | 22 | $3.3m | 12.0% |
| Oldham County | 33 | 22 | $7.9m | — |
| Taylor County | 26 | 22 | $3.5m | — |
| Logan County | 34 | 21 | $4.2m | — |
| Mercer County | 29 | 19 | $3.9m | — |
| Owen County | 28 | 17 | $2.9m | — |
| Shelby County | 25 | 14 | $4.7m | — |
| Harrison County | 28 | 11 | $2.9m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Stockton Mortgage Corporation originate in Kentucky in 2024?
2,490 loans totalling $572m, from 3,503 applications reported for properties in Kentucky.
What is Stockton Mortgage Corporation's denial rate in Kentucky?
7.2% of decided applications in Kentucky were denied, against 25.0% for all lenders in the state and 9.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Kentucky counties does Stockton Mortgage Corporation lend in most?
By originations: Jefferson County (272), Fayette County (232), Kenton County (189), Campbell County (140), Scott County (133).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Kentucky. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.