Find a better mortgage lender

Grant County, Kentucky · 2025

Mortgage lenders in Grant County, KY: denial rates and top lenders (2025)

151 lenders acted on 1,411 mortgage applications for properties in Grant County in 2025. 26.3% were denied (Kentucky: 18.8%). Median rate on closed loans 6.75%; median loan $155,000; median property value $285,000.

1.4kApplications
26.3%Denial ratestate 18.8%
6.75%Median ratestate 6.75%
$155,000Median loan
$285,000Median property value

Largest lenders in Grant County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Vanderbilt Mortgage and Finance F 17227 40.1%9.75%
2 21st Mortgage F 7510 53.3%9.82%
3 Fifth Third Bank D 5731 31.6%7.49%
4 Forcht Bank D 5643 10.7%6.63%
5 Rocket Mortgage C 5238 15.4%6.88%
6 Triad Financial Services D 471 74.5%10.97%
7 Heritage Bank C 4327 23.3%—
8 United Shore Financial Services B 4128 17.1%6.13%
9 Truist Bank C 4016 35.0%6.69%
10 Tammac Holdings D 403 70.0%9.25%
11 Park Lane Finance Solutions F 3312 12.1%11.49%
12 The Huntington National Bank D 3320 30.3%7.11%
13 U.S. Bank D 3219 34.4%6.88%
14 Union Home Mortgage B 3024 3.3%6.63%
15 Stockton Mortgage D 2821 7.1%6.50%
16 NFM A 2821 0.0%7.00%
17 Freedom Mortgage B 2810 17.9%6.25%
18 Guardian Savings Bank B 2824 3.6%6.75%
19 Southwest Stage Funding F 241 20.8%9.45%
20 German American Bank A 2318 21.7%6.75%
21 Crosscountry Mortgage B 2218 0.0%6.97%
22 Success Mortgage Partners B 2219 0.0%6.38%
23 Mortgage Research Center C 2110 28.6%6.44%
24 Pennymac Loan Services C 188 22.2%6.19%
25 PNC Bank D 189 27.8%7.00%

Best approval odds in Grant County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Vanderbilt Mortgage and Finance10466.4%
221st Mortgage5080.0%

What Grant County borrowers applied for

By loan purpose

Home purchase 800 57% · 26.3% denied
Refinance 171 12% · 13.5% denied
Cash-out refinance 203 14% · 26.1% denied
Home improvement 77 5% · 44.2% denied
Other / HELOC 160 11% · 31.9% denied

By loan type

Conventional 1,107 78% · 29.5% denied
FHA 197 14% · 13.7% denied
VA 85 6% · 16.5% denied
USDA / RHS 22 2% · 18.2% denied

Why applications were denied

Credit history 183 51%
Debt-to-income ratio 72 20%
Collateral 34 9%
Incomplete application 26 7%
Other 20 6%
Unverifiable information 13 4%
Employment history 7 2%
Insufficient cash 6 2%

Grant County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,05051826.5%7.00%$130,000
20241,09758024.9%7.04%$145,000
20251,41167126.3%6.75%$155,000

Frequently asked questions

26.3% of applications in Grant County were denied in 2025, against 18.8% statewide in Kentucky.

Vanderbilt Mortgage and Finance, with 172 applications in 2025 and a denial rate of 40.1%.

The median mortgage application in Grant County in 2025 was for $155,000; the median property value on originated loans was $285,000.