Planet Home Lending in Kentucky vs the state
17.0%Denial rate-1.78 pts vs state
17.7%Decision denial rate-5.75 pts vs state
79.0%Origination rate+20.91 pts vs state
6.25%Median rate-0.50 pts vs state
0.05Rate spread (pts)-0.27 pts vs state
$81kMedian applicant income
255Loans originated
55Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 71 | 26.2% | 6.50% | #174 |
| 2024 | 173 | 131 | 18.5% | 6.25% | #142 |
| 2025 | 323 | 255 | 17.0% | 6.25% | #103 |
What Planet Home Lending lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Planet Home Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 33 | 27 | 3 | 9.1% |
| Pulaski County | 15 | 13 | 2 | 13.3% |
| Kenton County | 15 | 10 | 4 | 26.7% |
| Hardin County | 13 | 10 | 2 | 15.4% |
| Fayette County | 13 | 7 | 6 | 46.2% |
| Boone County | 12 | 12 | 0 | 0.0% |
| Laurel County | 12 | 10 | 1 | 8.3% |
| Madison County | 12 | 8 | 2 | 16.7% |
| Scott County | 11 | 9 | 2 | 18.2% |
| Christian County | 8 | 7 | 1 | 12.5% |
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: 323 applications in 2025, of which 255 were originated and 55 denied.
17.0% of all applications, or 17.7% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Planet Home Lending originated in Kentucky in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Planet Home Lending'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