Largest lenders in Metcalfe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Edmonton State Bank | C | 77 | 56 | 14.3% | — |
| 2 | South Central Bank | B | 44 | 39 | 2.3% | 7.50% |
| 3 | Vanderbilt Mortgage and Finance | F | 34 | 3 | 58.8% | 9.75% |
| 4 | Rocket Mortgage | C | 15 | 9 | 33.3% | 6.38% |
| 5 | Abound Federal Credit Union | C | 12 | 7 | 8.3% | 7.00% |
| 6 | 21st Mortgage | F | 11 | 0 | 63.6% | — |
| 7 | Farm Credit Mid-America | D | 9 | 6 | 0.0% | 7.06% |
| 8 | U.S. Bank | D | 8 | 5 | 37.5% | 5.99% |
| 9 | Everett Financial | C | 8 | 2 | 0.0% | 6.88% |
| 10 | Atlantic Bay Mortgage Group | A | 8 | 5 | 25.0% | 7.13% |
| 11 | The Cecilian Bank | C | 6 | 4 | 16.7% | 6.82% |
| 12 | Pennymac Loan Services | C | 5 | 2 | 20.0% | 5.81% |
| 13 | AmeriSave Mortgage | D | 5 | 2 | 40.0% | 9.13% |
| 14 | German American Bank | A | 5 | 3 | 40.0% | 6.00% |
Best approval odds in Metcalfe County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Edmonton State Bank | 67 | 16.4% |
What Metcalfe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Metcalfe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 240 | 130 | 27.9% | 7.24% | $105,000 |
| 2024 | 290 | 153 | 25.5% | 7.13% | $105,000 |
| 2025 | 334 | 180 | 23.1% | 6.93% | $125,000 |
Frequently asked questions
23.1% of applications in Metcalfe County were denied in 2025, against 18.8% statewide in Kentucky.
Edmonton State Bank, with 77 applications in 2025 and a denial rate of 14.3%.
The median mortgage application in Metcalfe County in 2025 was for $125,000; the median property value on originated loans was $210,000.