Largest lenders in Bath County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 63 | 11 | 42.9% | 10.25% |
| 2 | Peoples Bank of Kentucky | C | 40 | 27 | 10.0% | — |
| 3 | Rocket Mortgage | C | 31 | 21 | 25.8% | 6.63% |
| 4 | 21st Mortgage | F | 14 | 1 | 71.4% | 10.71% |
| 5 | Commonwealth | C | 13 | 9 | 15.4% | 6.50% |
| 6 | Community Trust Bank | B | 13 | 10 | 23.1% | 5.88% |
| 7 | Traditional Bank | B | 12 | 7 | 25.0% | 7.50% |
| 8 | Mortgage Research Center | C | 10 | 4 | 10.0% | 6.69% |
| 9 | Republic State Mortgage | A | 9 | 8 | 0.0% | 6.44% |
| 10 | United Shore Financial Services | B | 8 | 6 | 0.0% | 6.63% |
| 11 | Broker Solutions | D | 8 | 3 | 12.5% | 7.25% |
| 12 | Ark-La-Tex Financial Services, LLC. | A | 8 | 8 | 0.0% | 6.63% |
| 13 | Stockton Mortgage | D | 7 | 3 | 28.6% | 6.38% |
| 14 | Farm Credit Mid-America | D | 7 | 7 | 0.0% | 7.00% |
| 15 | Whitaker Bank | B | 6 | 4 | 33.3% | 6.25% |
| 16 | U.S. Bank | D | 5 | 2 | 40.0% | 7.42% |
| 17 | AmeriSave Mortgage | D | 5 | 0 | 80.0% | — |
| 18 | Sun West Mortgage Company | B | 5 | 2 | 20.0% | 8.25% |
What Bath County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bath County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 349 | 184 | 24.4% | 7.00% | $105,000 |
| 2024 | 366 | 168 | 25.7% | 6.99% | $115,000 |
| 2025 | 385 | 182 | 26.0% | 6.75% | $125,000 |
Frequently asked questions
26.0% of applications in Bath County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 63 applications in 2025 and a denial rate of 42.9%.
The median mortgage application in Bath County in 2025 was for $125,000; the median property value on originated loans was $205,000.