Ranked by the dollar value of loans originated. Volume is not quality, but it does tell you who is set up to close at scale.
| # | Lender | Grade | Dollar volume | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | United Shore Financial ServicesPlymouth, MI | B | $1.4B | 6,871 | 9.8% | 6.50% |
| 2 | Rocket MortgagePlymouth, MI | C | $1.2B | 8,420 | 18.1% | 6.75% |
| 3 | Stockton MortgageFrankfort, KY | D | $549M | 3,255 | 6.1% | 6.63% |
| 4 | Stock Yards Bank & TrustLouisville, KY | B | $499M | 3,044 | 19.8% | 6.50% |
| 5 | Mortgage Research CenterColumbia, MO | C | $486M | 3,617 | 18.0% | 6.25% |
| 6 | U.S. BankCincinnati, OH | D | $461M | 4,887 | 29.5% | 7.00% |
| 7 | Fifth Third BankCincinnati, OH | D | $452M | 5,663 | 25.5% | 7.75% |
| 8 | Guardian Savings BankWest Chester, OH | B | $422M | 1,767 | 8.5% | 6.63% |
| 9 | LibertyEvansville, IN | B | $418M | 2,280 | 6.0% | 6.63% |
| 10 | Community Trust BankPikeville, KY | B | $402M | 2,621 | 12.9% | 6.63% |
| 11 | Republic Bank & TrustLouisville, KY | B | $335M | 2,214 | 8.3% | 6.00% |
| 12 | Freedom MortgageBoca Raton, FL | B | $333M | 2,752 | 9.2% | 6.25% |
| 13 | PNC BankWilmington, DE | D | $332M | 3,585 | 23.7% | 7.40% |
| 14 | Northpointe BankGrand Rapids, MI | C | $312M | 1,927 | 9.0% | 6.88% |
| 15 | Bellwether Enterprise Real Estate CapitalCleveland, OH | C | $291M | 20 | 10.0% | — |
| 16 | CommonwealthFrankfort, KY | C | $290M | 3,270 | 24.9% | 7.25% |
| 17 | Ark-La-Tex Financial Services, LLC.Plano, TX | A | $286M | 1,591 | 3.4% | 6.63% |
| 18 | Union Home MortgageStrongsville, OH | B | $281M | 1,456 | 6.7% | 6.50% |
| 19 | South Central BankGlasgow, KY | B | $270M | 1,778 | 6.8% | 7.25% |
| 20 | First Financial BankCincinnati, OH | D | $262M | 1,683 | 16.2% | 6.38% |
| 21 | Abound Federal Credit UnionRadcliff, KY | C | $260M | 2,156 | 14.8% | 7.00% |
| 22 | Victory MortgageErlanger, KY | A | $246M | 869 | 2.9% | 6.00% |
| 23 | Independence Bank of KentuckyOwensboro, KY | B | $242M | 1,430 | 13.9% | 7.00% |
| 24 | Crosscountry MortgageCleveland, OH | B | $239M | 1,483 | 4.3% | 6.75% |
| 25 | L & N Federal Credit UnionLouisville, KY | A | $239M | 1,956 | 7.5% | 7.00% |
| 26 | University of KentuckyLexington, KY | B | $235M | 2,979 | 21.7% | 7.00% |
| 27 | Pennymac Loan ServicesWestlake Village, CA | C | $235M | 2,464 | 11.9% | 6.25% |
| 28 | JPMorgan Chase BankColumbus, OH | B | $234M | 1,450 | 9.3% | 6.50% |
| 29 | Central Bank & TrustLexington, KY | B | $229M | 1,102 | 9.0% | 7.25% |
| 30 | Lument Real Estate CapitalDover, DE | C | $229M | 8 | 0.0% | 5.71% |
| 31 | Broker SolutionsTustin, CA | D | $221M | 2,519 | 8.9% | 6.63% |
| 32 | German American BankJasper, IN | A | $215M | 1,484 | 15.3% | 6.99% |
| 33 | The Huntington National BankColumbus, OH | D | $205M | 1,482 | 23.8% | 7.13% |
| 34 | Vanderbilt Mortgage and FinanceMaryville, TN | F | $200M | 8,220 | 44.8% | 9.50% |
| 35 | Traditional BankMount Sterling, KY | B | $192M | 902 | 10.1% | 7.25% |
| 36 | Magnolia BankHodgenville, KY | C | $187M | 950 | 6.8% | 6.50% |
| 37 | Walker & DunlopBethesda, MD | C | $187M | 12 | 0.0% | 5.57% |
| 38 | Truist BankCharlotte, NC | C | $175M | 2,055 | 33.3% | 6.60% |
| 39 | Farm Credit Mid-AmericaLouisville, KY | D | $168M | 687 | 9.0% | 7.00% |
| 40 | WesBanco BankWheeling, | B | $154M | 1,007 | 21.8% | 3.99% |
| 41 | T2 FinancialWesterville, OH | B | $153M | 743 | 4.6% | 6.38% |
| 42 | Fairway Independent MortgageMadison, WI | B | $148M | 853 | 8.7% | 6.63% |
| 43 | Greystone Servicing CompanyWarrenton, VA | D | $148M | 8 | 12.5% | 5.29% |
| 44 | Navy Federal Credit UnionVienna, VA | D | $138M | 1,397 | 21.0% | 6.63% |
| 45 | The Cecilian BankCecilia, KY | C | $133M | 855 | 6.0% | 7.50% |
| 46 | Old National BankEvansville, IN | B | $132M | 737 | 16.7% | 6.25% |
| 47 | NewrezWilmington, DE | D | $132M | 1,621 | 20.1% | 6.63% |
| 48 | American Bank & Trust CompanyBowling Green, KY | C | $131M | 343 | 3.8% | — |
| 49 | LowerColumbia, MD | C | $123M | 689 | 9.7% | 6.56% |
| 50 | The Loan StoreSan Francisco, CA | B | $123M | 629 | 7.5% | 6.63% |
Ordered by the dollar value of loans originated in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
