Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance | F | 27 | 4 | 51.9% | 8.12% |
| 2 | Truist Bank | C | 23 | 13 | 17.4% | 6.70% |
| 3 | Rocket Mortgage | C | 23 | 14 | 26.1% | 6.50% |
| 4 | Stockton Mortgage | D | 22 | 14 | 9.1% | 6.69% |
| 5 | U.S. Bank | D | 18 | 11 | 27.8% | 8.35% |
| 6 | Abound Federal Credit Union | C | 14 | 7 | 14.3% | 7.25% |
| 7 | Commonwealth | C | 12 | 5 | 25.0% | 8.00% |
| 8 | 21st Mortgage | F | 11 | 0 | 45.5% | — |
| 9 | Broker Solutions | D | 11 | 6 | 18.2% | 6.50% |
| 10 | Community Trust Bank | B | 10 | 10 | 0.0% | 6.81% |
| 11 | Loandepot.Com | D | 9 | 3 | 55.6% | 6.63% |
| 12 | United Shore Financial Services | B | 8 | 5 | 12.5% | 6.63% |
| 13 | PNC Bank | D | 7 | 2 | 57.1% | 7.69% |
| 14 | Mortgage Research Center | C | 7 | 5 | 0.0% | 6.75% |
| 15 | South Central Bank | B | 6 | 3 | 16.7% | 6.13% |
| 16 | Stock Yards Bank & Trust | B | 6 | 2 | 16.7% | 6.56% |
| 17 | Pennymac Loan Services | C | 5 | 2 | 20.0% | 5.38% |
| 18 | AmeriSave Mortgage | D | 5 | 4 | 20.0% | 6.19% |
| 19 | Town & Country Bank and Trust | A | 5 | 3 | 20.0% | — |
| 20 | Magnolia Bank | C | 5 | 4 | 0.0% | 6.38% |
| 21 | Credit Human Federal Credit Union | D | 5 | 0 | 80.0% | — |
| 22 | L & N Federal Credit Union | A | 5 | 4 | 20.0% | 6.75% |
| 23 | Newrez | D | 5 | 2 | 20.0% | 7.00% |
| 24 | The Lincoln National Bank of Hodgenville | B | 5 | 5 | 0.0% | — |
| 25 | Farm Credit Mid-America | D | 5 | 5 | 0.0% | 6.88% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 296 | 144 | 26.4% | 7.05% | $145,000 |
| 2024 | 294 | 135 | 29.6% | 7.19% | $145,000 |
| 2025 | 363 | 187 | 22.9% | 6.75% | $155,000 |
Frequently asked questions
22.9% of applications in Washington County were denied in 2025, against 18.8% statewide in Kentucky.
Vanderbilt Mortgage and Finance, with 27 applications in 2025 and a denial rate of 51.9%.
The median mortgage application in Washington County in 2025 was for $155,000; the median property value on originated loans was $235,000.