Prosperity Home Mortgage in Kentucky vs the state
8.8%Denial rate-10.05 pts vs state
11.4%Decision denial rate-12.13 pts vs state
67.8%Origination rate+9.78 pts vs state
6.38%Median rate-0.38 pts vs state
0.19Rate spread (pts)-0.12 pts vs state
$86kMedian applicant income
472Loans originated
61Denied
Trend in Kentucky
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 752 | 552 | 9.0% | 6.69% | #53 |
| 2024 | 644 | 482 | 8.2% | 6.63% | #61 |
| 2025 | 696 | 472 | 8.8% | 6.38% | #62 |
What Prosperity Home Mortgage lends in Kentucky
By loan purpose
By loan type
Why it denied Kentucky applicants
Where in Kentucky
Counties with the most Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 197 | 140 | 13 | 6.6% |
| Kenton County | 68 | 50 | 5 | 7.4% |
| Boone County | 67 | 47 | 6 | 9.0% |
| Campbell County | 45 | 31 | 3 | 6.7% |
| Hardin County | 40 | 28 | 3 | 7.5% |
| Fayette County | 39 | 19 | 3 | 7.7% |
| Bullitt County | 27 | 21 | 2 | 7.4% |
| Meade County | 27 | 18 | 3 | 11.1% |
| Oldham County | 15 | 10 | 0 | 0.0% |
| Woodford County | 10 | 5 | 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: 696 applications in 2025, of which 472 were originated and 61 denied.
8.8% of all applications, or 11.4% of the applications it actually decided on. The Kentucky statewide average across all lenders was 18.8%.
The median rate on loans Prosperity Home Mortgage originated in Kentucky in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Prosperity 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