Largest lenders in Hopkins County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Fifth Third Bank | D | 157 | 83 | 31.9% | 8.50% |
| 2 | Independence Bank of Kentucky | B | 156 | 105 | 18.6% | 7.00% |
| 3 | Rocket Mortgage | C | 100 | 63 | 21.0% | 6.50% |
| 4 | U.S. Bank | D | 70 | 25 | 44.3% | 6.99% |
| 5 | First United Bank and Trust | A | 64 | 58 | 3.1% | — |
| 6 | Old National Bank | B | 63 | 37 | 27.0% | 5.99% |
| 7 | First Financial Bank | C | 61 | 30 | 44.3% | 6.75% |
| 8 | Mortgage Research Center | C | 58 | 30 | 10.3% | 6.25% |
| 9 | Gershman Investment | B | 51 | 38 | 3.9% | 6.38% |
| 10 | Vanderbilt Mortgage and Finance | F | 51 | 4 | 49.0% | 11.13% |
| 11 | First Community Mortgage | A | 39 | 32 | 5.1% | 6.25% |
| 12 | 21st Mortgage | F | 37 | 2 | 46.0% | 9.80% |
| 13 | Pennymac Loan Services | C | 35 | 16 | 5.7% | 5.63% |
| 14 | Broker Solutions | D | 34 | 14 | 14.7% | 5.94% |
| 15 | The Sacramento Deposit Bank | – | 34 | 32 | 5.9% | — |
| 16 | Liberty | B | 33 | 25 | 6.1% | 6.75% |
| 17 | United Shore Financial Services | B | 29 | 18 | 13.8% | 6.05% |
| 18 | Luminate Bank | B | 27 | 20 | 3.7% | 6.75% |
| 19 | Everett Financial | C | 26 | 10 | 3.9% | 5.88% |
| 20 | Farmers Bank and Trust | B | 25 | 23 | 8.0% | — |
| 21 | Freedom Mortgage | B | 23 | 8 | 8.7% | 6.25% |
| 22 | AmeriSave Mortgage | D | 22 | 3 | 54.6% | 10.38% |
| 23 | Movement Mortgage | A | 20 | 9 | 25.0% | 6.75% |
| 24 | Planters Bank | A | 19 | 18 | 5.3% | — |
| 25 | Newrez | D | 19 | 6 | 10.5% | 6.50% |
Best approval odds in Hopkins County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First United Bank and Trust | 60 | 3.3% |
| 2 | Independence Bank of Kentucky | 135 | 21.5% |
| 3 | Rocket Mortgage | 86 | 24.4% |
| 4 | Old National Bank | 55 | 30.9% |
| 5 | Fifth Third Bank | 134 | 37.3% |
| 6 | First Financial Bank | 57 | 47.4% |
| 7 | U.S. Bank | 56 | 55.4% |
What Hopkins County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Hopkins County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,523 | 832 | 24.0% | 7.00% | $105,000 |
| 2024 | 1,475 | 784 | 27.0% | 6.99% | $105,000 |
| 2025 | 1,707 | 935 | 21.3% | 6.75% | $125,000 |
Frequently asked questions
21.3% of applications in Hopkins County were denied in 2025, against 18.8% statewide in Kentucky.
Fifth Third Bank, with 157 applications in 2025 and a denial rate of 31.9%.
The median mortgage application in Hopkins County in 2025 was for $125,000; the median property value on originated loans was $205,000.