Plaza Home Mortgage in Kentucky vs the state
18.3%Denial rate-0.49 pts vs state
19.9%Decision denial rate-3.57 pts vs state
71.4%Origination rate+13.39 pts vs state
6.63%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.02 pts vs state
$87kMedian applicant income
195Loans originated
50Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 151 | 106 | 9.9% | 6.50% | #150 |
| 2024 | 158 | 86 | 24.7% | 6.63% | #147 |
| 2025 | 273 | 195 | 18.3% | 6.63% | #119 |
What Plaza Home Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 93 | 75 | 11 | 11.8% |
| Hardin County | 36 | 21 | 11 | 30.6% |
| Warren County | 12 | 8 | 2 | 16.7% |
| Campbell County | 11 | 8 | 2 | 18.2% |
| Bullitt County | 9 | 6 | 0 | 0.0% |
| Nelson County | 8 | 8 | 0 | 0.0% |
| Oldham County | 8 | 3 | 3 | 37.5% |
| Kenton County | 7 | 5 | 2 | 28.6% |
| Meade County | 6 | 5 | 0 | 0.0% |
| Daviess County | 4 | 4 | 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: 273 applications in 2025, of which 195 were originated and 50 denied.
18.3% of all applications, or 19.9% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Plaza Home Mortgage originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Plaza Home 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