Largest lenders in Johnson County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 91 | 19 | 28.6% | 9.50% |
| 2 | Community Trust Bank | B | 52 | 32 | 28.9% | 6.13% |
| 3 | City National Bank of West Virginia | C | 48 | 25 | 37.5% | 6.29% |
| 4 | Stockton Mortgage | D | 41 | 21 | 12.2% | 6.50% |
| 5 | Credit Human Federal Credit Union | D | 32 | 2 | 93.8% | 8.35% |
| 6 | Rocket Mortgage | C | 29 | 19 | 17.2% | 6.88% |
| 7 | Peoples Bank | C | 22 | 13 | 31.8% | 7.50% |
| 8 | Mortgage Research Center | C | 22 | 12 | 9.1% | 6.69% |
| 9 | United Shore Financial Services | B | 21 | 14 | 9.5% | 6.13% |
| 10 | FirstBank | C | 20 | 1 | 85.0% | 11.09% |
| 11 | Citizens Bank of Kentucky | D | 20 | 16 | 10.0% | — |
| 12 | U.S. Bank | D | 17 | 10 | 23.5% | 6.56% |
| 13 | Republic State Mortgage | A | 17 | 15 | 0.0% | 6.50% |
| 14 | 21st Mortgage | F | 16 | 2 | 56.3% | 9.65% |
| 15 | Triad Financial Services | D | 16 | 2 | 50.0% | 9.59% |
| 16 | Truist Bank | C | 15 | 4 | 33.3% | 8.92% |
| 17 | Commonwealth | C | 12 | 7 | 25.0% | 8.25% |
| 18 | Broker Solutions | D | 10 | 5 | 10.0% | 6.88% |
| 19 | Carrington Mortgage Services | D | 8 | 2 | 75.0% | 5.50% |
| 20 | Equity Prime Mortgage | D | 8 | 7 | 0.0% | 7.00% |
| 21 | Pennymac Loan Services | C | 7 | 2 | 28.6% | 6.37% |
| 22 | Crosscountry Mortgage | B | 7 | 3 | 0.0% | 6.75% |
| 23 | Discover Bank | F | 6 | 0 | 83.3% | — |
| 24 | Fifth Third Bank | D | 6 | 4 | 33.3% | 6.63% |
| 25 | GoPrime Mortgage | B | 6 | 1 | 50.0% | 6.13% |
What Johnson County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Johnson County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 559 | 225 | 32.9% | 6.75% | $105,000 |
| 2024 | 642 | 256 | 35.4% | 6.78% | $115,000 |
| 2025 | 686 | 287 | 30.3% | 6.70% | $125,000 |
Frequently asked questions
30.3% of applications in Johnson County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 91 applications in 2025 and a denial rate of 28.6%.
The median mortgage application in Johnson County in 2025 was for $125,000; the median property value on originated loans was $205,000.