Largest lenders in Harlan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 107 | 9 | 44.9% | 9.75% |
| 2 | Stockton Mortgage | D | 43 | 28 | 14.0% | 6.63% |
| 3 | Truist Bank | C | 33 | 8 | 48.5% | 7.31% |
| 4 | Hearthside Bank | C | 28 | 15 | 10.7% | — |
| 5 | Credit Human Federal Credit Union | D | 26 | 0 | 96.2% | — |
| 6 | 21st Mortgage | F | 24 | 2 | 58.3% | 9.58% |
| 7 | Rocket Mortgage | C | 21 | 18 | 9.5% | 6.75% |
| 8 | Triad Financial Services | D | 20 | 0 | 55.0% | — |
| 9 | Commercial Bank | B | 19 | 13 | 15.8% | 6.85% |
| 10 | Mortgage Research Center | C | 18 | 7 | 16.7% | 6.75% |
| 11 | The Monticello Banking | D | 18 | 8 | 44.4% | — |
| 12 | FirstBank | C | 17 | 3 | 70.6% | 7.56% |
| 13 | Community Trust Bank | B | 9 | 8 | 11.1% | 5.81% |
| 14 | Commonwealth | C | 7 | 2 | 57.1% | 6.88% |
| 15 | Renasant Bank | B | 7 | 7 | 0.0% | 6.38% |
| 16 | Pennymac Loan Services | C | 6 | 2 | 16.7% | 8.06% |
| 17 | Broker Solutions | D | 6 | 0 | 33.3% | — |
| 18 | Crosscountry Mortgage | B | 5 | 1 | 20.0% | 6.75% |
| 19 | New Day Financial | F | 5 | 0 | 20.0% | — |
| 20 | Freedom Mortgage | B | 5 | 3 | 0.0% | 6.25% |
| 21 | T2 Financial | B | 5 | 5 | 0.0% | 6.00% |
Best approval odds in Harlan County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 57 | 84.2% |
What Harlan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Harlan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 551 | 181 | 38.3% | 6.99% | $85,000 |
| 2024 | 502 | 165 | 43.0% | 6.75% | $85,000 |
| 2025 | 513 | 166 | 37.2% | 6.75% | $95,000 |
Frequently asked questions
37.2% of applications in Harlan County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 107 applications in 2025 and a denial rate of 44.9%.
The median mortgage application in Harlan County in 2025 was for $95,000; the median property value on originated loans was $145,000.