Largest lenders in Todd County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Stockton Mortgage | D | 28 | 21 | 7.1% | 6.38% |
| 2 | United Southern Bank | A | 25 | 19 | 4.0% | — |
| 3 | Mortgage Research Center | C | 18 | 11 | 22.2% | 6.25% |
| 4 | Ameritrust Mortgage | D | 17 | 0 | 0.0% | — |
| 5 | Vanderbilt Mortgage and Finance | F | 17 | 3 | 11.8% | 10.75% |
| 6 | 21st Mortgage | F | 16 | 5 | 18.8% | 8.61% |
| 7 | Rocket Mortgage | C | 14 | 9 | 28.6% | 6.88% |
| 8 | Fortera Federal Credit Union | D | 12 | 7 | 8.3% | 6.63% |
| 9 | U.S. Bank | D | 11 | 4 | 45.5% | 6.63% |
| 10 | Freedom Mortgage | B | 10 | 4 | 0.0% | 6.31% |
| 11 | Pennymac Loan Services | C | 9 | 5 | 0.0% | 6.38% |
| 12 | Broker Solutions | D | 9 | 3 | 22.2% | 6.00% |
| 13 | Guaranteed Rate | B | 8 | 3 | 0.0% | 6.73% |
| 14 | Navy Federal Credit Union | D | 8 | 2 | 25.0% | 8.69% |
| 15 | AmeriSave Mortgage | D | 7 | 1 | 57.1% | 6.75% |
| 16 | First Community Mortgage | A | 7 | 6 | 0.0% | 6.31% |
| 17 | United Shore Financial Services | B | 7 | 4 | 28.6% | 6.09% |
| 18 | Farm Credit Mid-America | D | 7 | 6 | 0.0% | 7.03% |
| 19 | Lakeview Loan Servicing | C | 6 | 3 | 33.3% | 5.99% |
| 20 | South Central Bank | B | 6 | 5 | 0.0% | 7.50% |
| 21 | Liberty | B | 6 | 4 | 16.7% | 6.31% |
| 22 | USAA Federal Savings Bank | C | 5 | 3 | 20.0% | 6.13% |
| 23 | New Day Financial | F | 5 | 1 | 20.0% | 5.99% |
| 24 | FirstBank | C | 5 | 1 | 40.0% | 9.94% |
| 25 | First Financial Bank | C | 5 | 2 | 40.0% | 6.63% |
What Todd County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Todd County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 312 | 185 | 19.6% | 6.75% | $160,000 |
| 2024 | 337 | 181 | 20.8% | 6.75% | $175,000 |
| 2025 | 381 | 196 | 17.3% | 6.56% | $165,000 |
Frequently asked questions
17.3% of applications in Todd County were denied in 2025, against 18.8% statewide in Kentucky.
Stockton Mortgage, with 28 applications in 2025 and a denial rate of 7.1%.
The median mortgage application in Todd County in 2025 was for $165,000; the median property value on originated loans was $255,000.