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Oldham County, Kentucky · 2025

Mortgage lenders in Oldham County, KY: denial rates and top lenders (2025)

232 lenders acted on 3,200 mortgage applications for properties in Oldham County in 2025. 11.3% were denied (Kentucky: 18.8%). Median rate on closed loans 6.63%; median loan $265,000; median property value $495,000.

3.2kApplications
11.3%Denial ratestate 18.8%
6.63%Median ratestate 6.75%
$265,000Median loan
$495,000Median property value

Largest lenders in Oldham County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 174138 12.1%6.75%
2 Fifth Third Bank D 168109 17.9%7.50%
3 PNC Bank D 168113 15.5%7.75%
4 Stock Yards Bank & Trust B 161114 11.8%6.50%
5 United Shore Financial Services B 154123 6.5%6.38%
6 Northpointe Bank C 12486 4.8%7.00%
7 Republic Bank & Trust B 11484 3.5%5.99%
8 L & N Federal Credit Union A 10489 5.8%7.00%
9 Liberty B 10274 6.9%6.81%
10 Pulte Mortgage A 5643 0.0%5.50%
11 Freedom Mortgage B 5317 5.7%5.75%
12 Commonwealth C 5124 25.5%7.25%
13 Fairway Independent Mortgage B 4933 12.2%6.75%
14 JPMorgan Chase Bank B 4834 6.3%6.50%
15 University of Kentucky B 4729 21.3%7.00%
16 Vanderbilt Mortgage and Finance F 4630 8.7%6.43%
17 Coastal Community Bank C 449 2.3%9.99%
18 Pennymac Loan Services C 3927 7.7%6.38%
19 First Financial Bank D 3830 10.5%6.50%
20 U.S. Bank D 3818 31.6%7.73%
21 Spring Eq D 3813 39.5%8.73%
22 Park Federal Credit Union B 3623 5.6%7.50%
23 The Loan Store B 3628 2.8%6.75%
24 Crosscountry Mortgage B 3525 2.9%6.58%
25 Provident Funding Associates A 3421 2.9%6.38%

Best approval odds in Oldham County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Republic Bank & Trust894.5%
2L & N Federal Credit Union966.3%
3Northpointe Bank926.5%
4United Shore Financial Services1357.4%
5Liberty828.5%
6Rocket Mortgage16312.9%
7Stock Yards Bank & Trust13514.1%
8PNC Bank14318.2%
9Fifth Third Bank14321.0%

What Oldham County borrowers applied for

By loan purpose

Home purchase 1,317 41% · 5.5% denied
Refinance 609 19% · 11.8% denied
Cash-out refinance 482 15% · 17.2% denied
Home improvement 367 11% · 16.1% denied
Other / HELOC 425 13% · 18.1% denied

By loan type

Conventional 2,697 84% · 11.3% denied
FHA 257 8% · 13.6% denied
VA 238 7% · 9.2% denied
USDA / RHS 8 0% · 25.0% denied

Why applications were denied

Credit history 100 28%
Debt-to-income ratio 97 27%
Incomplete application 56 16%
Collateral 53 15%
Other 33 9%
Unverifiable information 12 3%
Insufficient cash 7 2%

Oldham County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,5831,66513.2%7.00%$225,000
20242,8091,81613.6%6.99%$245,000
20253,2002,11411.3%6.63%$265,000

Frequently asked questions

11.3% of applications in Oldham County were denied in 2025, against 18.8% statewide in Kentucky.

Rocket Mortgage, with 174 applications in 2025 and a denial rate of 12.1%.

The median mortgage application in Oldham County in 2025 was for $265,000; the median property value on originated loans was $495,000.