Largest lenders in Lewis County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 51 | 8 | 47.1% | 10.25% |
| 2 | Peoples Bank | C | 29 | 16 | 27.6% | 7.38% |
| 3 | Rocket Mortgage | C | 26 | 21 | 15.4% | 7.25% |
| 4 | Peoples Bank of Kentucky | C | 25 | 23 | 8.0% | — |
| 5 | 21st Mortgage | F | 23 | 5 | 26.1% | 8.90% |
| 6 | Community Trust Bank | B | 19 | 19 | 0.0% | 6.25% |
| 7 | U.S. Bank | D | 16 | 8 | 37.5% | 6.75% |
| 8 | Credit Human Federal Credit Union | D | 16 | 1 | 81.3% | 8.60% |
| 9 | First Guaranty Bank | C | 15 | 12 | 20.0% | — |
| 10 | Fifth Third Bank | D | 9 | 2 | 44.4% | 7.56% |
| 11 | FirstBank | C | 9 | 2 | 44.4% | 8.18% |
| 12 | Mortgage Research Center | C | 9 | 6 | 0.0% | 6.63% |
| 13 | Triad Financial Services | D | 7 | 0 | 100.0% | — |
| 14 | AmeriSave Mortgage | D | 6 | 1 | 50.0% | 5.88% |
| 15 | Equity Prime Mortgage | D | 6 | 3 | 0.0% | 6.63% |
| 16 | United Shore Financial Services | B | 6 | 6 | 0.0% | 6.63% |
| 17 | Farm Credit Mid-America | D | 6 | 6 | 0.0% | 7.13% |
| 18 | Desco | C | 6 | 3 | 0.0% | 6.63% |
| 19 | Southwest Stage Funding | F | 6 | 2 | 0.0% | 9.50% |
| 20 | The Huntington National Bank | D | 6 | 3 | 0.0% | 6.88% |
| 21 | New Day Financial | F | 5 | 2 | 20.0% | 6.68% |
| 22 | Broker Solutions | D | 5 | 1 | 0.0% | 7.25% |
What Lewis County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lewis County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 349 | 159 | 27.8% | 7.00% | $85,000 |
| 2024 | 335 | 144 | 35.8% | 7.13% | $105,000 |
| 2025 | 416 | 204 | 27.4% | 6.88% | $125,000 |
Frequently asked questions
27.4% of applications in Lewis County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 51 applications in 2025 and a denial rate of 47.1%.
The median mortgage application in Lewis County in 2025 was for $125,000; the median property value on originated loans was $175,000.