Primelending, a Plainscapital in Kentucky vs the state
7.0%Denial rate-11.86 pts vs state
8.6%Decision denial rate-14.88 pts vs state
67.9%Origination rate+9.87 pts vs state
6.63%Median rate-0.13 pts vs state
0.53Rate spread (pts)+0.22 pts vs state
$96kMedian applicant income
127Loans originated
13Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 124 | 79 | 14.5% | 6.75% | #158 |
| 2024 | 155 | 96 | 12.3% | 6.88% | #150 |
| 2025 | 187 | 127 | 7.0% | 6.63% | #151 |
What Primelending, a Plainscapital lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Primelending, a Plainscapital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Boyd County | 24 | 13 | 0 | 0.0% |
| Scott County | 16 | 10 | 1 | 6.3% |
| Fayette County | 15 | 11 | 1 | 6.7% |
| Jefferson County | 13 | 9 | 0 | 0.0% |
| Kenton County | 11 | 9 | 0 | 0.0% |
| Boone County | 10 | 7 | 0 | 0.0% |
| Madison County | 7 | 7 | 0 | 0.0% |
| Campbell County | 7 | 6 | 0 | 0.0% |
| Hardin County | 5 | 3 | 0 | 0.0% |
| Harrison County | 5 | 3 | 1 | 20.0% |
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: 187 applications in 2025, of which 127 were originated and 13 denied.
7.0% of all applications, or 8.6% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Primelending, a Plainscapital originated in Kentucky in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Primelending, a Plainscapital'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