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Woodford County, Kentucky · 2025

Mortgage lenders in Woodford County, KY: denial rates and top lenders (2025)

158 lenders acted on 1,119 mortgage applications for properties in Woodford County in 2025. 16.5% were denied (Kentucky: 18.8%). Median rate on closed loans 6.63%; median loan $195,000; median property value $375,000.

1.1kApplications
16.5%Denial ratestate 18.8%
6.63%Median ratestate 6.75%
$195,000Median loan
$375,000Median property value

Largest lenders in Woodford County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 City National Bank of West Virginia C 10368 20.4%5.72%
2 Commonwealth C 9759 24.7%7.25%
3 Rocket Mortgage C 7155 15.5%6.99%
4 University of Kentucky B 6039 21.7%6.50%
5 Community Trust Bank B 4636 6.5%7.06%
6 WesBanco Bank B 3819 23.7%6.50%
7 Stockton Mortgage D 3627 2.8%6.63%
8 Guardian Savings Bank B 3630 8.3%6.50%
9 Fifth Third Bank D 3216 31.3%7.25%
10 PNC Bank D 3015 23.3%7.44%
11 Ark-La-Tex Financial Services, LLC. A 3020 10.0%6.44%
12 Stock Yards Bank & Trust B 3020 10.0%6.50%
13 Newrez D 237 17.4%6.25%
14 United Shore Financial Services B 1910 10.5%6.06%
15 Mortgage Research Center C 178 29.4%6.25%
16 Pennymac Loan Services C 1610 6.3%7.31%
17 Traditional Bank B 1612 12.5%7.44%
18 Central Bank & Trust B 1614 6.3%6.94%
19 Freedom Mortgage B 156 0.0%6.13%
20 JPMorgan Chase Bank B 147 14.3%6.25%
21 Republic Bank & Trust B 137 0.0%5.99%
22 U.S. Bank D 137 30.8%6.49%
23 Luminate Bank B 109 0.0%6.49%
24 Broker Solutions D 104 10.0%6.44%
25 Prosperity Home Mortgage A 105 0.0%6.63%

Best approval odds in Woodford County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Rocket Mortgage6816.2%
2City National Bank of West Virginia9222.8%
3University of Kentucky5225.0%
4Commonwealth8428.6%

What Woodford County borrowers applied for

By loan purpose

Home purchase 401 36% · 9.0% denied
Refinance 221 20% · 12.2% denied
Cash-out refinance 194 17% · 22.2% denied
Home improvement 156 14% · 23.7% denied
Other / HELOC 147 13% · 28.6% denied

By loan type

Conventional 917 82% · 16.3% denied
FHA 132 12% · 20.5% denied
VA 63 6% · 12.7% denied
USDA / RHS 7 1% · 14.3% denied

Why applications were denied

Debt-to-income ratio 67 36%
Credit history 50 27%
Incomplete application 24 13%
Collateral 20 11%
Other 17 9%
Unverifiable information 5 3%
Insufficient cash 2 1%

Woodford County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202388254916.1%7.00%$155,000
202491257916.3%6.88%$185,000
20251,11969316.5%6.63%$195,000

Frequently asked questions

16.5% of applications in Woodford County were denied in 2025, against 18.8% statewide in Kentucky.

City National Bank of West Virginia, with 103 applications in 2025 and a denial rate of 20.4%.

The median mortgage application in Woodford County in 2025 was for $195,000; the median property value on originated loans was $375,000.