Largest lenders in Harrison County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust | B | 58 | 36 | 24.1% | 6.50% |
| 2 | Fifth Third Bank | D | 49 | 27 | 28.6% | 7.38% |
| 3 | Vanderbilt Mortgage and Finance | F | 48 | 6 | 41.7% | 8.87% |
| 4 | Rocket Mortgage | C | 44 | 28 | 15.9% | 6.50% |
| 5 | Commonwealth | C | 29 | 11 | 34.5% | 7.50% |
| 6 | Stockton Mortgage | D | 25 | 18 | 8.0% | 6.56% |
| 7 | City National Bank of West Virginia | C | 25 | 13 | 36.0% | 6.29% |
| 8 | Central Bank & Trust | B | 23 | 12 | 13.0% | 6.50% |
| 9 | University of Kentucky | B | 17 | 12 | 29.4% | 7.62% |
| 10 | Farm Credit Mid-America | D | 17 | 13 | 5.9% | 7.25% |
| 11 | Broker Solutions | D | 16 | 8 | 12.5% | 6.63% |
| 12 | Ark-La-Tex Financial Services, LLC. | A | 16 | 8 | 0.0% | 6.25% |
| 13 | U.S. Bank | D | 15 | 7 | 26.7% | 7.95% |
| 14 | Mortgage Investors Group | B | 14 | 9 | 7.1% | 6.99% |
| 15 | United Shore Financial Services | B | 14 | 11 | 7.1% | 6.13% |
| 16 | Mortgage Research Center | C | 14 | 9 | 14.3% | 6.25% |
| 17 | Field & Main Bank | B | 13 | 9 | 23.1% | — |
| 18 | Newrez | D | 11 | 5 | 9.1% | 6.50% |
| 19 | Pennymac Loan Services | C | 10 | 6 | 20.0% | 7.44% |
| 20 | 21st Mortgage | F | 10 | 3 | 30.0% | 8.58% |
| 21 | Freedom Mortgage | B | 10 | 3 | 0.0% | 5.25% |
| 22 | Community Trust Bank | B | 10 | 10 | 0.0% | 6.19% |
| 23 | Triad Financial Services | D | 8 | 0 | 87.5% | — |
| 24 | Figure Lending | C | 8 | 3 | 12.5% | 10.20% |
| 25 | Spring Eq | D | 7 | 3 | 14.3% | 9.30% |
Best approval odds in Harrison County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Stock Yards Bank & Trust | 52 | 26.9% |
What Harrison County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Harrison County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 700 | 365 | 23.4% | 6.99% | $135,000 |
| 2024 | 696 | 366 | 23.7% | 6.88% | $145,000 |
| 2025 | 749 | 399 | 20.8% | 6.63% | $155,000 |
Frequently asked questions
20.8% of applications in Harrison County were denied in 2025, against 18.8% statewide in Kentucky.
Stock Yards Bank & Trust, with 58 applications in 2025 and a denial rate of 24.1%.
The median mortgage application in Harrison County in 2025 was for $155,000; the median property value on originated loans was $255,000.