Largest lenders in Carroll County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 30 | 4 | 60.0% | 11.38% |
| 2 | The Farmers Bank of Milton | C | 28 | 22 | 10.7% | — |
| 3 | First National Bank of Kentucky | – | 25 | 22 | 4.0% | — |
| 4 | U.S. Bank | D | 24 | 14 | 33.3% | 8.53% |
| 5 | Rocket Mortgage | C | 23 | 17 | 17.4% | 6.88% |
| 6 | Tammac Holdings | D | 22 | 1 | 86.4% | 8.65% |
| 7 | Park Lane Finance Solutions | F | 18 | 2 | 44.4% | 11.79% |
| 8 | Stockton Mortgage | D | 15 | 11 | 0.0% | 6.75% |
| 9 | Primary Residential Mortgage | C | 14 | 8 | 14.3% | 6.19% |
| 10 | New Day Financial | F | 12 | 5 | 8.3% | 6.88% |
| 11 | Freedom Mortgage | B | 11 | 6 | 9.1% | 6.19% |
| 12 | Broker Solutions | D | 9 | 3 | 0.0% | 7.50% |
| 13 | United Shore Financial Services | B | 8 | 5 | 25.0% | 7.00% |
| 14 | German American Bank | A | 8 | 6 | 25.0% | 7.45% |
| 15 | Vanderbilt Mortgage and Finance | F | 8 | 2 | 25.0% | 6.94% |
| 16 | Lakeview Loan Servicing | C | 7 | 2 | 71.4% | 7.56% |
| 17 | Commonwealth | C | 7 | 2 | 57.1% | 9.00% |
| 18 | Bedford Loan & Deposit Bank | – | 6 | 4 | 0.0% | — |
| 19 | Kind Lending | C | 5 | 4 | 20.0% | 7.19% |
| 20 | United Citizens Bank & Trust | – | 5 | 4 | 0.0% | — |
| 21 | Prosperity Home Mortgage | A | 5 | 5 | 0.0% | 5.88% |
What Carroll County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Carroll County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 350 | 181 | 18.3% | 6.75% | $105,000 |
| 2024 | 346 | 167 | 23.7% | 6.88% | $115,000 |
| 2025 | 415 | 217 | 25.5% | 6.75% | $125,000 |
Frequently asked questions
25.5% of applications in Carroll County were denied in 2025, against 18.8% statewide in Kentucky.
21st Mortgage, with 30 applications in 2025 and a denial rate of 60.0%.
The median mortgage application in Carroll County in 2025 was for $125,000; the median property value on originated loans was $215,000.