Largest lenders in Russell County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 88 | 16 | 46.6% | 9.75% |
| 2 | The Citizens National Bank of Somerset | C | 45 | 39 | 8.9% | — |
| 3 | Community Trust Bank | B | 38 | 31 | 10.5% | 6.13% |
| 4 | Rocket Mortgage | C | 35 | 19 | 31.4% | 6.63% |
| 5 | Broker Solutions | D | 27 | 18 | 7.4% | 6.25% |
| 6 | 21st Mortgage | F | 24 | 2 | 54.2% | 9.93% |
| 7 | United Shore Financial Services | B | 15 | 13 | 13.3% | 6.05% |
| 8 | Mortgage Research Center | C | 13 | 6 | 23.1% | 6.50% |
| 9 | The Monticello Banking | D | 13 | 10 | 15.4% | — |
| 10 | Magnolia Bank | C | 11 | 7 | 9.1% | 6.49% |
| 11 | Fifth Third Bank | D | 10 | 5 | 20.0% | 7.99% |
| 12 | L & N Federal Credit Union | A | 10 | 7 | 10.0% | 6.63% |
| 13 | New Day Financial | F | 9 | 1 | 11.1% | 7.12% |
| 14 | Stockton Mortgage | D | 9 | 6 | 22.2% | 6.75% |
| 15 | AmeriSave Mortgage | D | 8 | 2 | 62.5% | 8.00% |
| 16 | Triad Financial Services | D | 8 | 0 | 75.0% | — |
| 17 | Crosscountry Mortgage | B | 7 | 3 | 14.3% | 6.63% |
| 18 | Mutual of Omaha Mortgage | C | 7 | 3 | 14.3% | 6.75% |
| 19 | Navy Federal Credit Union | D | 7 | 3 | 14.3% | 6.00% |
| 20 | Abound Federal Credit Union | C | 7 | 3 | 28.6% | 7.75% |
| 21 | Credit Human Federal Credit Union | D | 6 | 0 | 100.0% | — |
| 22 | Commonwealth | C | 6 | 2 | 33.3% | 6.56% |
| 23 | Northpointe Bank | C | 5 | 1 | 60.0% | 6.75% |
| 24 | Newrez | D | 5 | 1 | 20.0% | 6.25% |
| 25 | Loandepot.Com | D | 5 | 3 | 40.0% | 6.49% |
Best approval odds in Russell 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 | 59 | 69.5% |
What Russell County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Russell County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 460 | 215 | 23.9% | 6.99% | $125,000 |
| 2024 | 483 | 245 | 25.3% | 6.88% | $115,000 |
| 2025 | 579 | 292 | 25.4% | 6.75% | $145,000 |
Frequently asked questions
25.4% of applications in Russell County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 88 applications in 2025 and a denial rate of 46.6%.
The median mortgage application in Russell County in 2025 was for $145,000; the median property value on originated loans was $235,000.