Largest lenders in Powell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 78 | 14 | 48.7% | 9.88% |
| 2 | Whitaker Bank | B | 41 | 31 | 9.8% | 6.25% |
| 3 | Peoples Exchange Bank | C | 31 | 20 | 12.9% | 7.15% |
| 4 | Rocket Mortgage | C | 25 | 19 | 24.0% | 7.13% |
| 5 | Broker Solutions | D | 24 | 8 | 16.7% | 6.00% |
| 6 | 21st Mortgage | F | 23 | 5 | 34.8% | 10.40% |
| 7 | Community Trust Bank | B | 21 | 19 | 4.8% | 6.13% |
| 8 | Union Home Mortgage | B | 18 | 11 | 16.7% | 6.75% |
| 9 | Luminate Bank | B | 17 | 12 | 0.0% | 6.38% |
| 10 | Credit Human Federal Credit Union | D | 12 | 1 | 83.3% | 7.90% |
| 11 | Mortgage Research Center | C | 12 | 4 | 0.0% | 6.63% |
| 12 | Traditional Bank | B | 12 | 10 | 16.7% | 7.00% |
| 13 | Republic State Mortgage | A | 12 | 11 | 8.3% | 6.38% |
| 14 | United Shore Financial Services | B | 11 | 7 | 9.1% | 7.13% |
| 15 | University of Kentucky | B | 10 | 4 | 40.0% | 8.00% |
| 16 | Freedom Mortgage | B | 8 | 2 | 12.5% | 6.13% |
| 17 | AmeriSave Mortgage | D | 7 | 1 | 71.4% | 9.63% |
| 18 | Commonwealth | C | 7 | 4 | 28.6% | 8.25% |
| 19 | Kiavi Funding | D | 7 | 0 | 0.0% | — |
| 20 | U.S. Bank | D | 6 | 3 | 33.3% | 6.50% |
| 21 | FirstBank | C | 6 | 0 | 66.7% | — |
| 22 | Ark-La-Tex Financial Services, LLC. | A | 6 | 5 | 0.0% | 6.00% |
| 23 | Pennymac Loan Services | C | 5 | 3 | 0.0% | 6.49% |
| 24 | Newrez | D | 5 | 2 | 40.0% | 6.88% |
Best approval odds in Powell County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | 52 | 73.1% |
What Powell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Powell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 484 | 203 | 25.8% | 6.81% | $125,000 |
| 2024 | 479 | 201 | 28.4% | 6.88% | $125,000 |
| 2025 | 528 | 265 | 23.5% | 6.63% | $135,000 |
Frequently asked questions
23.5% of applications in Powell County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 78 applications in 2025 and a denial rate of 48.7%.
The median mortgage application in Powell County in 2025 was for $135,000; the median property value on originated loans was $205,000.