Largest lenders in McCreary County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Cumberland Bank | C | 107 | 72 | 14.0% | — |
| 2 | Vanderbilt Mortgage and Finance | F | 62 | 4 | 46.8% | 11.37% |
| 3 | Broker Solutions | D | 39 | 23 | 5.1% | 5.88% |
| 4 | 21st Mortgage | F | 30 | 10 | 36.7% | 9.73% |
| 5 | Rocket Mortgage | C | 29 | 16 | 27.6% | 6.99% |
| 6 | Mortgage Research Center | C | 22 | 13 | 9.1% | 6.25% |
| 7 | Credit Human Federal Credit Union | D | 17 | 1 | 94.1% | 8.00% |
| 8 | FirstBank | C | 17 | 4 | 64.7% | 9.33% |
| 9 | Triad Financial Services | D | 14 | 0 | 57.1% | — |
| 10 | Forcht Bank | D | 11 | 7 | 9.1% | 6.25% |
| 11 | The Citizens National Bank of Somerset | C | 11 | 8 | 18.2% | — |
| 12 | United Shore Financial Services | B | 10 | 5 | 20.0% | 6.13% |
| 13 | L & N Federal Credit Union | A | 9 | 6 | 11.1% | 7.31% |
| 14 | Community Trust Bank | B | 9 | 8 | 0.0% | 7.50% |
| 15 | AmeriSave Mortgage | D | 8 | 2 | 50.0% | 7.50% |
| 16 | Stockton Mortgage | D | 7 | 5 | 0.0% | 6.25% |
| 17 | Planet Home Lending | B | 6 | 4 | 0.0% | 6.50% |
| 18 | Canopy Mortgage | B | 5 | 3 | 0.0% | 6.38% |
| 19 | Freedom Mortgage | B | 5 | 4 | 0.0% | 6.06% |
| 20 | Newrez | D | 5 | 3 | 0.0% | 6.25% |
| 21 | The First National Bank of Oneida | B | 5 | 4 | 0.0% | — |
| 22 | Loandepot.Com | D | 5 | 2 | 40.0% | 5.62% |
Best approval odds in McCreary County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | United Cumberland Bank | 88 | 17.1% |
What McCreary County borrowers applied for
By loan purpose
By loan type
Why applications were denied
McCreary County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 348 | 144 | 32.2% | 7.13% | $105,000 |
| 2024 | 352 | 140 | 33.0% | 6.75% | $115,000 |
| 2025 | 533 | 244 | 26.3% | 6.50% | $115,000 |
Frequently asked questions
26.3% of applications in McCreary County were denied in 2025, against 18.8% statewide in Kentucky.
United Cumberland Bank, with 107 applications in 2025 and a denial rate of 14.0%.
The median mortgage application in McCreary County in 2025 was for $115,000; the median property value on originated loans was $165,000.