Largest lenders in Caldwell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 35 | 4 | 45.7% | 9.38% |
| 2 | First Southern National Bank | B | 34 | 30 | 8.8% | 7.52% |
| 3 | Planters Bank | A | 32 | 32 | 0.0% | — |
| 4 | Rocket Mortgage | C | 28 | 18 | 28.6% | 6.49% |
| 5 | Fifth Third Bank | D | 19 | 15 | 15.8% | 8.25% |
| 6 | Renasant Bank | B | 17 | 16 | 5.9% | 6.50% |
| 7 | Mortgage Research Center | C | 13 | 6 | 46.2% | 5.75% |
| 8 | Gershman Investment | B | 12 | 9 | 8.3% | 5.75% |
| 9 | 21st Mortgage | F | 9 | 4 | 33.3% | 10.10% |
| 10 | Farmers Bank and Trust | B | 9 | 8 | 11.1% | — |
| 11 | United Shore Financial Services | B | 8 | 6 | 12.5% | 5.97% |
| 12 | Loandepot.Com | D | 8 | 5 | 12.5% | 6.75% |
| 13 | AmeriSave Mortgage | D | 7 | 0 | 85.7% | — |
| 14 | Truist Bank | C | 6 | 3 | 16.7% | 6.90% |
| 15 | DAS Acquisition Company | B | 6 | 6 | 0.0% | 6.75% |
| 16 | Magnolia Bank | C | 6 | 5 | 0.0% | 5.99% |
| 17 | Broker Solutions | D | 6 | 3 | 0.0% | 6.25% |
| 18 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 5.99% |
| 19 | U.S. Bank | D | 5 | 1 | 40.0% | 5.99% |
| 20 | Lakeview Loan Servicing | C | 5 | 1 | 40.0% | 6.25% |
| 21 | Newrez | D | 5 | 3 | 20.0% | 5.75% |
| 22 | First Financial Bank | C | 5 | 1 | 60.0% | 6.50% |
| 23 | Unnamed lender 54930002HD26G3OGZR79 | B | 5 | 4 | 20.0% | — |
| 24 | Fortera Federal Credit Union | D | 5 | 3 | 20.0% | 6.99% |
What Caldwell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Caldwell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 355 | 201 | 19.4% | 7.13% | $105,000 |
| 2024 | 296 | 183 | 21.3% | 6.75% | $125,000 |
| 2025 | 385 | 246 | 20.0% | 6.75% | $125,000 |
Frequently asked questions
20.0% of applications in Caldwell County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 35 applications in 2025 and a denial rate of 45.7%.
The median mortgage application in Caldwell County in 2025 was for $125,000; the median property value on originated loans was $175,000.