Largest lenders in Henry County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Citizens Bank & Trust | – | 38 | 29 | 13.2% | — |
| 2 | Commonwealth | C | 33 | 17 | 36.4% | 7.25% |
| 3 | Stock Yards Bank & Trust | B | 33 | 15 | 48.5% | 6.38% |
| 4 | Rocket Mortgage | C | 32 | 22 | 21.9% | 6.75% |
| 5 | United Shore Financial Services | B | 30 | 21 | 23.3% | 6.50% |
| 6 | Peoples Bank | C | 29 | 16 | 31.0% | 7.50% |
| 7 | Dhi Mortgage Company | B | 29 | 22 | 10.3% | 5.50% |
| 8 | Primary Residential Mortgage | C | 28 | 17 | 10.7% | 6.25% |
| 9 | Fifth Third Bank | D | 25 | 15 | 24.0% | 7.75% |
| 10 | PNC Bank | D | 24 | 13 | 25.0% | 6.50% |
| 11 | Vanderbilt Mortgage and Finance | F | 20 | 3 | 50.0% | 8.75% |
| 12 | German American Bank | A | 19 | 13 | 31.6% | 7.16% |
| 13 | Northpointe Bank | C | 17 | 10 | 5.9% | 6.37% |
| 14 | Bedford Loan & Deposit Bank | – | 16 | 14 | 0.0% | — |
| 15 | U.S. Bank | D | 13 | 3 | 53.9% | 6.88% |
| 16 | L & N Federal Credit Union | A | 12 | 4 | 41.7% | 7.00% |
| 17 | Freedom Mortgage | B | 11 | 2 | 9.1% | 6.75% |
| 18 | Broker Solutions | D | 10 | 2 | 0.0% | 10.14% |
| 19 | Pennymac Loan Services | C | 9 | 2 | 11.1% | 8.62% |
| 20 | AmeriSave Mortgage | D | 8 | 3 | 50.0% | 8.88% |
| 21 | Newrez | D | 8 | 1 | 12.5% | 6.25% |
| 22 | Liberty | B | 8 | 5 | 0.0% | 7.50% |
| 23 | Farm Credit Mid-America | D | 8 | 7 | 0.0% | 7.00% |
| 24 | Stockton Mortgage | D | 7 | 4 | 0.0% | 6.31% |
| 25 | Mortgage Research Center | C | 7 | 4 | 14.3% | 6.44% |
What Henry County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Henry County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 590 | 350 | 19.7% | 6.99% | $145,000 |
| 2024 | 647 | 399 | 17.2% | 6.99% | $155,000 |
| 2025 | 701 | 380 | 22.4% | 6.63% | $165,000 |
Frequently asked questions
22.4% of applications in Henry County were denied in 2025, against 18.8% statewide in Kentucky.
United Citizens Bank & Trust, with 38 applications in 2025 and a denial rate of 13.2%.
The median mortgage application in Henry County in 2025 was for $165,000; the median property value on originated loans was $285,000.