Largest lenders in Martin County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 73 | 6 | 46.6% | 10.87% |
| 2 | Credit Human Federal Credit Union | D | 34 | 0 | 100.0% | — |
| 3 | FirstBank | C | 16 | 1 | 87.5% | 10.54% |
| 4 | Truist Bank | C | 13 | 8 | 7.7% | 6.49% |
| 5 | Triad Financial Services | D | 12 | 0 | 75.0% | — |
| 6 | Rocket Mortgage | C | 11 | 7 | 36.4% | 7.25% |
| 7 | Stockton Mortgage | D | 10 | 8 | 20.0% | 6.88% |
| 8 | City National Bank of West Virginia | C | 10 | 4 | 40.0% | 2.99% |
| 9 | Mortgage Research Center | C | 10 | 5 | 10.0% | 6.63% |
| 10 | 21st Mortgage | F | 9 | 0 | 77.8% | — |
| 11 | Peoples Bank | C | 7 | 2 | 71.4% | 8.87% |
| 12 | First State Bank | B | 7 | 4 | 42.9% | 9.00% |
| 13 | Community Trust Bank | B | 6 | 5 | 0.0% | 6.13% |
What Martin County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Martin County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 199 | 55 | 47.2% | 7.13% | $95,000 |
| 2024 | 189 | 66 | 41.3% | 7.18% | $95,000 |
| 2025 | 261 | 61 | 47.9% | 7.00% | $95,000 |
Frequently asked questions
47.9% of applications in Martin County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 73 applications in 2025 and a denial rate of 46.6%.
The median mortgage application in Martin County in 2025 was for $95,000; the median property value on originated loans was $165,000.