Largest lenders in Boyd County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | City National Bank of West Virginia | C | 144 | 92 | 22.2% | 6.29% |
| 2 | United Shore Financial Services | B | 129 | 102 | 7.8% | 6.60% |
| 3 | Rocket Mortgage | C | 86 | 59 | 22.1% | 6.88% |
| 4 | Vanderbilt Mortgage and Finance | F | 86 | 8 | 55.8% | 9.88% |
| 5 | Members Choice | C | 85 | 59 | 10.6% | — |
| 6 | Kentucky Farmers Bank | D | 78 | 46 | 12.8% | — |
| 7 | Desco | C | 68 | 40 | 7.4% | 6.50% |
| 8 | Stockton Mortgage | D | 64 | 41 | 7.8% | 6.75% |
| 9 | Community Trust Bank | B | 58 | 52 | 8.6% | 7.25% |
| 10 | Peoples Bank | C | 54 | 29 | 27.8% | 7.25% |
| 11 | Mortgage Research Center | C | 54 | 22 | 20.4% | 6.25% |
| 12 | Equity Prime Mortgage | D | 53 | 34 | 7.6% | 6.50% |
| 13 | Fifth Third Bank | D | 50 | 27 | 32.0% | 7.75% |
| 14 | PNC Bank | D | 49 | 22 | 36.7% | 7.33% |
| 15 | Movement Mortgage | A | 36 | 19 | 2.8% | 6.75% |
| 16 | Pennymac Loan Services | C | 30 | 8 | 30.0% | 5.75% |
| 17 | U.S. Bank | D | 24 | 7 | 29.2% | 6.75% |
| 18 | ASHLAND Credit Union | C | 24 | 6 | 62.5% | 7.13% |
| 19 | Primelending, a Plainscapital | A | 24 | 13 | 0.0% | 6.63% |
| 20 | Triad Financial Services | D | 23 | 1 | 47.8% | 12.00% |
| 21 | The Commercial Bank of Grayson | A | 20 | 20 | 0.0% | — |
| 22 | First Grayson Bancorp | D | 20 | 10 | 35.0% | — |
| 23 | Credit Human Federal Credit Union | D | 19 | 1 | 89.5% | 8.00% |
| 24 | Broker Solutions | D | 17 | 4 | 29.4% | 7.06% |
| 25 | AmeriSave Mortgage | D | 16 | 4 | 68.8% | 7.88% |
Best approval odds in Boyd County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community Trust Bank | 57 | 8.8% |
| 2 | United Shore Financial Services | 113 | 8.9% |
| 3 | Members Choice | 74 | 12.2% |
| 4 | Kentucky Farmers Bank | 56 | 17.9% |
| 5 | Rocket Mortgage | 79 | 24.1% |
| 6 | City National Bank of West Virginia | 133 | 24.1% |
| 7 | Vanderbilt Mortgage and Finance | 56 | 85.7% |
What Boyd County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Boyd County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,495 | 837 | 21.1% | 6.75% | $95,000 |
| 2024 | 1,477 | 789 | 22.6% | 6.99% | $105,000 |
| 2025 | 1,725 | 910 | 22.0% | 6.63% | $125,000 |
Frequently asked questions
22.0% of applications in Boyd County were denied in 2025, against 18.8% statewide in Kentucky.
City National Bank of West Virginia, with 144 applications in 2025 and a denial rate of 22.2%.
The median mortgage application in Boyd County in 2025 was for $125,000; the median property value on originated loans was $185,000.