Largest lenders in Bracken County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The First National Bank of Brooksville | – | 53 | 33 | 20.8% | — |
| 2 | U.S. Bank | D | 36 | 15 | 33.3% | 8.30% |
| 3 | Rocket Mortgage | C | 24 | 17 | 29.2% | 6.63% |
| 4 | Vanderbilt Mortgage and Finance | F | 24 | 5 | 41.7% | 8.99% |
| 5 | Peoples Bank | C | 19 | 10 | 26.3% | 7.38% |
| 6 | Fifth Third Bank | D | 15 | 4 | 46.7% | 7.25% |
| 7 | 21st Mortgage | F | 9 | 2 | 55.6% | 10.26% |
| 8 | Success Mortgage Partners | B | 8 | 6 | 0.0% | 6.06% |
| 9 | Union Home Mortgage | B | 8 | 4 | 0.0% | 6.50% |
| 10 | Stockton Mortgage | D | 8 | 7 | 0.0% | 6.63% |
| 11 | Peoples Bank of Kentucky | C | 8 | 4 | 50.0% | — |
| 12 | United Shore Financial Services | B | 8 | 7 | 12.5% | 6.25% |
| 13 | Community Trust Bank | B | 8 | 7 | 0.0% | 6.00% |
| 14 | Crosscountry Mortgage | B | 7 | 5 | 14.3% | 6.58% |
| 15 | Pennymac Loan Services | C | 5 | 4 | 20.0% | 6.25% |
What Bracken County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bracken County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 268 | 142 | 23.9% | 6.86% | $105,000 |
| 2024 | 289 | 168 | 21.8% | 6.88% | $115,000 |
| 2025 | 351 | 182 | 25.9% | 6.75% | $115,000 |
Frequently asked questions
25.9% of applications in Bracken County were denied in 2025, against 18.8% statewide in Kentucky.
The First National Bank of Brooksville, with 53 applications in 2025 and a denial rate of 20.8%.
The median mortgage application in Bracken County in 2025 was for $115,000; the median property value on originated loans was $215,000.