Largest mortgage lenders in Kentucky
By applications received in 2025. Grade is the lender's national grade.
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 8,420 | 6,049 | 18.1% | 6.75% |
| 2 | Vanderbilt Mortgage and Finance | F | 8,220 | 1,150 | 44.8% | 9.50% |
| 3 | United Shore Financial Services | B | 6,871 | 5,242 | 9.8% | 6.50% |
| 4 | Fifth Third Bank | D | 5,663 | 3,150 | 25.5% | 7.75% |
| 5 | U.S. Bank | D | 4,887 | 2,645 | 29.5% | 7.00% |
| 6 | Mortgage Research Center | C | 3,617 | 1,786 | 18.0% | 6.25% |
| 7 | PNC Bank | D | 3,585 | 2,095 | 23.7% | 7.40% |
| 8 | 21st Mortgage | F | 3,478 | 505 | 48.0% | 9.95% |
| 9 | Commonwealth | C | 3,270 | 1,869 | 24.9% | 7.25% |
| 10 | Stockton Mortgage | D | 3,255 | 2,250 | 6.1% | 6.63% |
| 11 | Stock Yards Bank & Trust | B | 3,044 | 2,044 | 19.8% | 6.50% |
| 12 | University of Kentucky | B | 2,979 | 1,710 | 21.7% | 7.00% |
| 13 | Freedom Mortgage | B | 2,752 | 1,270 | 9.2% | 6.25% |
| 14 | Community Trust Bank | B | 2,621 | 2,051 | 12.9% | 6.63% |
| 15 | Broker Solutions | D | 2,519 | 1,165 | 8.9% | 6.63% |
| 16 | Pennymac Loan Services | C | 2,464 | 1,132 | 11.9% | 6.25% |
| 17 | Liberty | B | 2,280 | 1,792 | 6.0% | 6.63% |
| 18 | Republic Bank & Trust | B | 2,214 | 1,477 | 8.3% | 6.00% |
| 19 | Abound Federal Credit Union | C | 2,156 | 1,388 | 14.8% | 7.00% |
| 20 | Truist Bank | C | 2,055 | 1,026 | 33.3% | 6.60% |
| 21 | L & N Federal Credit Union | A | 1,956 | 1,519 | 7.5% | 7.00% |
| 22 | Northpointe Bank | C | 1,927 | 1,184 | 9.0% | 6.88% |
| 23 | South Central Bank | B | 1,778 | 1,376 | 6.8% | 7.25% |
| 24 | Guardian Savings Bank | B | 1,767 | 1,396 | 8.5% | 6.63% |
| 25 | AmeriSave Mortgage | D | 1,758 | 532 | 57.8% | 7.63% |
Best approval odds in Kentucky
Lowest decision denial rate among lenders that decided at least 300 Kentucky applications in 2025.
| # | Lender | Decided | Decision denial rate | Median rate |
|---|---|---|---|---|
| 1 | Luminate Bank | 445 | 1.8% | 6.63% |
| 2 | Coastal Community Bank | 1,005 | 2.1% | 10.99% |
| 3 | First Southern National Bank | 502 | 2.4% | 7.50% |
| 4 | Interlinc Mortgage Services | 423 | 2.8% | 6.75% |
| 5 | Atlantic Bay Mortgage Group | 405 | 3.2% | 6.38% |
| 6 | Victory Mortgage | 778 | 3.2% | 6.00% |
| 7 | Wilson & Muir Bank & Trust | 354 | 3.4% | — |
| 8 | American Bank & Trust Company | 305 | 4.3% | — |
| 9 | Ark-La-Tex Financial Services, LLC. | 1,247 | 4.3% | 6.63% |
| 10 | Gershman Investment | 345 | 4.9% | 6.38% |
Lowest median rates in Kentucky
Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.
| # | Lender | Priced loans | Median rate | Denial rate |
|---|---|---|---|---|
| 1 | WesBanco Bank | 645 | 3.99% | 21.8% |
| 2 | Fbc Mortgage | 208 | 5.12% | 1.6% |
| 3 | Pulte Mortgage | 177 | 5.50% | 11.4% |
| 4 | Dhi Mortgage Company | 201 | 5.50% | 11.9% |
| 5 | Village Capital & Investment | 126 | 5.75% | 23.0% |
| 6 | General Electric Credit Union | 172 | 5.99% | 9.2% |
| 7 | Victory Mortgage | 753 | 6.00% | 2.9% |
| 8 | Republic Bank & Trust | 1,463 | 6.00% | 8.3% |
| 9 | Regions Bank | 288 | 6.06% | 34.0% |
| 10 | Premier Lending | 131 | 6.25% | 0.7% |
What Kentucky borrowers applied for
By loan purpose
By loan type
Denial rate by applicant income
Why Kentucky applications were denied
Kentucky mortgage market by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan | Lenders |
|---|---|---|---|---|---|---|
| 2023 | 144,098 | 82,559 | 20.5% | 6.99% | $135,000 | 859 |
| 2024 | 154,286 | 89,103 | 20.3% | 6.99% | $145,000 | 848 |
| 2025 | 173,418 | 100,653 | 18.8% | 6.75% | $155,000 | 856 |
Kentucky counties
Counties with at least 200 applications in 2025, most active first.
Jefferson County31k
Fayette County11k
Kenton County8.0k
Boone County6.8k
Hardin County5.0k
Warren County4.5k
Campbell County4.0k
Bullitt County4.0k
Madison County3.8k
Daviess County3.3k
Oldham County3.0k
Scott County2.9k
Laurel County2.4k
Jessamine County2.2k
Christian County2.2k
McCracken County2.1k
Franklin County2.1k
Pulaski County2.1k
Shelby County2.0k
Nelson County1.8k
Barren County1.6k
Boyd County1.6k
Hopkins County1.6k
Henderson County1.4k
Meade County1.4k
Clark County1.4k
Pike County1.3k
Greenup County1.3k
Grant County1.3k
Whitley County1.2k
Marshall County1.1k
Anderson County983
Montgomery County977
Woodford County931
Mercer County908
Floyd County907
Boyle County897
Grayson County894
Graves County882
Muhlenberg County862
Logan County842
Spencer County833
Calloway County829
Simpson County785
Carter County777
Knox County764
Lincoln County759
Allen County730
Garrard County695
Hart County684
Ohio County651
Bourbon County628
Harrison County585
Johnson County575
Pendleton County561
Henry County553
Breckinridge County552
Bell County542
Rowan County524
Larue County495
Trigg County480
Fleming County473
Perry County469
Owen County468
Taylor County467
Edmonson County448
McCreary County433
Harlan County429
Russell County423
Lawrence County421
Rockcastle County421
Clay County407
Powell County404
Mason County384
Wayne County375
Marion County369
Gallatin County339
Lewis County306
Estill County298
Butler County295
Caldwell County290
Carroll County290
Hancock County281
Letcher County279
Todd County273
Knott County269
Bath County264
Jackson County262
Washington County259
Monroe County257
Webster County251
Metcalfe County247
Breathitt County246
Bracken County240
Casey County238
Trimble County236
Adair County226
McLean County223
Martin County218
Green County214
Magoffin County206
Livingston County205
Union County201
Nicholas County200
Frequently asked questions
18.8% of mortgage applications in Kentucky were denied in 2025 (23.5% of applications that reached a decision). Nationally the rate was 18.0%.
Rocket Mortgage handled the most applications in Kentucky in 2025: 8,420, with a denial rate of 18.1%.
Among lenders that decided at least 300 applications in Kentucky, Luminate Bank had the lowest decision denial rate at 1.8%.
The median interest rate on loans originated in Kentucky in 2025 was 6.75%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.