Largest lenders in Muhlenberg County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Southern National Bank | B | 90 | 76 | 3.3% | 7.75% |
| 2 | Old National Bank | B | 78 | 56 | 19.2% | 6.25% |
| 3 | Farmers Bank and Trust | B | 76 | 56 | 17.1% | — |
| 4 | 21st Mortgage | F | 62 | 5 | 46.8% | 9.87% |
| 5 | Rocket Mortgage | C | 58 | 40 | 15.5% | 6.93% |
| 6 | Everett Financial | C | 51 | 32 | 0.0% | 5.94% |
| 7 | First Kentucky Bank | C | 41 | 38 | 4.9% | — |
| 8 | Vanderbilt Mortgage and Finance | F | 32 | 2 | 50.0% | 8.62% |
| 9 | Mortgage Research Center | C | 27 | 15 | 7.4% | 6.63% |
| 10 | Liberty | B | 27 | 21 | 11.1% | 6.63% |
| 11 | FirstBank | C | 23 | 1 | 47.8% | 8.84% |
| 12 | Pennymac Loan Services | C | 20 | 6 | 30.0% | 6.06% |
| 13 | Credit Human Federal Credit Union | D | 20 | 0 | 70.0% | — |
| 14 | AmeriSave Mortgage | D | 18 | 1 | 88.9% | 11.63% |
| 15 | Magnolia Bank | C | 18 | 13 | 11.1% | 6.25% |
| 16 | United Shore Financial Services | B | 17 | 13 | 0.0% | 6.00% |
| 17 | Broker Solutions | D | 17 | 2 | 5.9% | 8.40% |
| 18 | Freedom Mortgage | B | 16 | 8 | 0.0% | 6.00% |
| 19 | Stockton Mortgage | D | 14 | 9 | 7.1% | 6.38% |
| 20 | U.S. Bank | D | 13 | 4 | 46.2% | 5.50% |
| 21 | Newrez | D | 12 | 6 | 8.3% | 7.06% |
| 22 | Triad Financial Services | D | 12 | 1 | 58.3% | 12.15% |
| 23 | Fifth Third Bank | D | 11 | 3 | 36.4% | 8.50% |
| 24 | Carrington Mortgage Services | D | 11 | 1 | 54.6% | 5.75% |
| 25 | The Sacramento Deposit Bank | – | 11 | 11 | 0.0% | — |
Best approval odds in Muhlenberg County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Southern National Bank | 79 | 3.8% |
| 2 | Farmers Bank and Trust | 74 | 17.6% |
| 3 | Rocket Mortgage | 51 | 17.7% |
| 4 | Old National Bank | 71 | 21.1% |
What Muhlenberg County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Muhlenberg County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 763 | 423 | 23.5% | 7.00% | $95,000 |
| 2024 | 880 | 462 | 25.0% | 6.95% | $105,000 |
| 2025 | 1,000 | 531 | 20.9% | 6.75% | $115,000 |
Frequently asked questions
20.9% of applications in Muhlenberg County were denied in 2025, against 18.8% statewide in Kentucky.
First Southern National Bank, with 90 applications in 2025 and a denial rate of 3.3%.
The median mortgage application in Muhlenberg County in 2025 was for $115,000; the median property value on originated loans was $175,000.