Largest lenders in Christian County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Mortgage Research Center | C | 240 | 146 | 10.8% | 6.13% |
| 2 | Fortera Federal Credit Union | D | 179 | 101 | 26.8% | 7.74% |
| 3 | Planters Bank | A | 162 | 161 | 0.0% | — |
| 4 | Rocket Mortgage | C | 98 | 72 | 15.3% | 6.50% |
| 5 | United Shore Financial Services | B | 95 | 62 | 11.6% | 5.84% |
| 6 | Stockton Mortgage | D | 90 | 53 | 7.8% | 6.38% |
| 7 | Freedom Mortgage | B | 77 | 42 | 7.8% | 6.25% |
| 8 | United Southern Bank | A | 75 | 69 | 0.0% | — |
| 9 | Guaranteed Rate | B | 75 | 46 | 0.0% | 6.25% |
| 10 | Navy Federal Credit Union | D | 70 | 29 | 22.9% | 6.63% |
| 11 | Pennymac Loan Services | C | 64 | 24 | 7.8% | 6.00% |
| 12 | U.S. Bank | D | 62 | 25 | 48.4% | 8.35% |
| 13 | Broker Solutions | D | 57 | 36 | 5.3% | 6.00% |
| 14 | Truist Bank | C | 52 | 31 | 28.9% | 7.25% |
| 15 | Renasant Bank | B | 45 | 40 | 4.4% | 6.25% |
| 16 | New Day Financial | F | 36 | 9 | 25.0% | 6.99% |
| 17 | Farm Credit Mid-America | D | 35 | 27 | 5.7% | 7.00% |
| 18 | Vanderbilt Mortgage and Finance | F | 33 | 1 | 48.5% | 9.50% |
| 19 | Newrez | D | 28 | 14 | 25.0% | 6.19% |
| 20 | First Financial Bank | C | 27 | 15 | 44.4% | 6.25% |
| 21 | Legacy Home Loans | A | 25 | 16 | 4.0% | 6.12% |
| 22 | 21st Mortgage | F | 23 | 7 | 39.1% | 8.59% |
| 23 | AmeriSave Mortgage | D | 22 | 7 | 63.6% | 7.25% |
| 24 | Crosscountry Mortgage | B | 22 | 9 | 0.0% | 6.58% |
| 25 | Magnolia Bank | C | 22 | 17 | 4.6% | 6.38% |
Best approval odds in Christian County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Southern Bank | 69 | 0.0% |
| 2 | Planters Bank | 161 | 0.0% |
| 3 | Freedom Mortgage | 54 | 11.1% |
| 4 | Stockton Mortgage | 60 | 11.7% |
| 5 | United Shore Financial Services | 80 | 13.8% |
| 6 | Mortgage Research Center | 172 | 15.1% |
| 7 | Rocket Mortgage | 89 | 16.9% |
| 8 | Fortera Federal Credit Union | 169 | 28.4% |
| 9 | U.S. Bank | 57 | 52.6% |
What Christian County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Christian County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,933 | 1,179 | 18.4% | 6.75% | $145,000 |
| 2024 | 2,110 | 1,283 | 16.0% | 6.63% | $175,000 |
| 2025 | 2,348 | 1,363 | 16.7% | 6.50% | $175,000 |
Frequently asked questions
16.7% of applications in Christian County were denied in 2025, against 18.8% statewide in Kentucky.
Mortgage Research Center, with 240 applications in 2025 and a denial rate of 10.8%.
The median mortgage application in Christian County in 2025 was for $175,000; the median property value on originated loans was $235,000.