Largest lenders in Rockcastle County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 79 | 8 | 53.2% | 10.25% |
| 2 | 21st Mortgage | F | 74 | 11 | 41.9% | 10.08% |
| 3 | Community Trust Bank | B | 63 | 51 | 14.3% | 7.38% |
| 4 | Broker Solutions | D | 25 | 11 | 8.0% | 6.00% |
| 5 | Whitaker Bank | B | 25 | 20 | 4.0% | 7.00% |
| 6 | Rocket Mortgage | C | 23 | 17 | 17.4% | 6.75% |
| 7 | U.S. Bank | D | 16 | 11 | 12.5% | 6.00% |
| 8 | Commonwealth | C | 13 | 6 | 30.8% | 7.69% |
| 9 | FirstBank | C | 12 | 3 | 58.3% | 8.04% |
| 10 | T2 Financial | B | 11 | 10 | 0.0% | 6.38% |
| 11 | Credit Human Federal Credit Union | D | 9 | 0 | 88.9% | — |
| 12 | Mortgage Research Center | C | 9 | 5 | 11.1% | 6.13% |
| 13 | PNC Bank | D | 8 | 4 | 37.5% | 7.42% |
| 14 | DAS Acquisition Company | B | 8 | 7 | 12.5% | 6.49% |
| 15 | L & N Federal Credit Union | A | 8 | 8 | 0.0% | 7.19% |
| 16 | United Shore Financial Services | B | 8 | 5 | 25.0% | 5.75% |
| 17 | GoPrime Mortgage | B | 7 | 7 | 0.0% | 6.75% |
| 18 | University of Kentucky | B | 6 | 2 | 50.0% | 7.75% |
| 19 | Freedom Mortgage | B | 6 | 2 | 0.0% | 6.19% |
| 20 | Triad Financial Services | D | 6 | 1 | 66.7% | 8.33% |
| 21 | AmeriSave Mortgage | D | 5 | 1 | 80.0% | 6.75% |
Best approval odds in Rockcastle County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community Trust Bank | 60 | 15.0% |
| 2 | Vanderbilt Mortgage and Finance | 52 | 80.8% |
What Rockcastle County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Rockcastle County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 468 | 212 | 28.6% | 7.00% | $115,000 |
| 2024 | 538 | 219 | 32.3% | 6.81% | $115,000 |
| 2025 | 544 | 246 | 28.1% | 6.88% | $115,000 |
Frequently asked questions
28.1% of applications in Rockcastle County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 79 applications in 2025 and a denial rate of 53.2%.
The median mortgage application in Rockcastle County in 2025 was for $115,000; the median property value on originated loans was $205,000.