Largest lenders in Owen County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | German American Bank | A | 74 | 60 | 14.9% | 7.50% |
| 2 | Commonwealth | C | 73 | 36 | 37.0% | 7.25% |
| 3 | Vanderbilt Mortgage and Finance | F | 40 | 9 | 32.5% | 9.25% |
| 4 | Rocket Mortgage | C | 37 | 27 | 21.6% | 6.50% |
| 5 | Stockton Mortgage | D | 25 | 17 | 4.0% | 6.50% |
| 6 | Fifth Third Bank | D | 19 | 8 | 31.6% | 8.00% |
| 7 | 21st Mortgage | F | 16 | 0 | 56.3% | — |
| 8 | Crosscountry Mortgage | B | 16 | 12 | 6.3% | 6.75% |
| 9 | Triad Financial Services | D | 13 | 0 | 30.8% | — |
| 10 | Broker Solutions | D | 11 | 2 | 18.2% | 6.94% |
| 11 | Mortgage Research Center | C | 11 | 9 | 9.1% | 6.13% |
| 12 | Farm Credit Mid-America | D | 11 | 8 | 18.2% | 7.00% |
| 13 | Union Home Mortgage | B | 10 | 4 | 10.0% | 7.00% |
| 14 | Southwest Stage Funding | F | 10 | 0 | 0.0% | — |
| 15 | U.S. Bank | D | 9 | 4 | 33.3% | 8.20% |
| 16 | The Huntington National Bank | D | 9 | 5 | 22.2% | 7.38% |
| 17 | Freedom Mortgage | B | 8 | 4 | 12.5% | 6.50% |
| 18 | United Shore Financial Services | B | 8 | 7 | 0.0% | 7.00% |
| 19 | Pennymac Loan Services | C | 7 | 2 | 0.0% | 7.12% |
| 20 | WesBanco Bank | B | 7 | 4 | 42.9% | 3.99% |
| 21 | First Financial Bank | D | 7 | 2 | 42.9% | 7.00% |
| 22 | University of Kentucky | B | 7 | 2 | 42.9% | 6.25% |
| 23 | NFM | A | 7 | 3 | 0.0% | 7.25% |
| 24 | AmeriSave Mortgage | D | 6 | 2 | 50.0% | 8.50% |
| 25 | Newrez | D | 6 | 1 | 66.7% | 5.63% |
Best approval odds in Owen County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | German American Bank | 71 | 15.5% |
| 2 | Commonwealth | 64 | 42.2% |
What Owen County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Owen County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 428 | 243 | 24.5% | 7.00% | $115,000 |
| 2024 | 476 | 250 | 25.0% | 7.06% | $135,000 |
| 2025 | 592 | 328 | 23.0% | 6.88% | $145,000 |
Frequently asked questions
23.0% of applications in Owen County were denied in 2025, against 18.8% statewide in Kentucky.
German American Bank, with 74 applications in 2025 and a denial rate of 14.9%.
The median mortgage application in Owen County in 2025 was for $145,000; the median property value on originated loans was $265,000.