Kentucky · HMDA 2025
Mortgage lenders in Adair County, KY
89 lenders reported 367 home-loan applications in Adair County in 2025. 147 closed as loans ($27.0M), 90 were denied — a 36.3% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 27% of applications, led by Community Trust Bank, Inc.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 367
- Loans originated
- 147
- Purchase / refinance
- 86 / 41
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Adair County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. 80 out of 100, Strong | 45 | 12.3% | 13.9% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 30 | 8.2% | — |
| 3 | STOCKTON MORTGAGE CORPORATION | 23 | 6.3% | — |
| 4 | 21st Mortgage Corporation | 16 | 4.4% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 16 | 4.4% | — |
| 6 | Mortgage Research Center, LLC | 16 | 4.4% | — |
| 7 | Rocket Mortgage, LLC | 15 | 4.1% | — |
| 8 | Abound Federal Credit Union 81 out of 100, Strong | 14 | 3.8% | 18.6% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 12 | 3.3% | — |
| 10 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 11 | 3.0% | 74.7% |
| 11 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 2.2% | 32.9% |
| 12 | Magnolia Bank, Incorporated 49 out of 100, Below average | 7 | 1.9% | 10.3% |
| 13 | NEWREZ LLC | 6 | 1.6% | — |
| 14 | AmeriSave Mortgage Corporation | 6 | 1.6% | — |
| 15 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.6% | — |
| 16 | The Monticello Banking Company 71 out of 100, Strong | 6 | 1.6% | 18.6% |
| 17 | PLANET HOME LENDING, LLC | 5 | 1.4% | — |
| 18 | The Citizens National Bank of Somerset 75 out of 100, Strong | 5 | 1.4% | 11.3% |
| 19 | CMG MORTGAGE, INC. | 4 | 1.1% | — |
| 20 | Broker Solutions, Inc. | 4 | 1.1% | — |
| 21 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 1.1% | 39.5% |
| 22 | PLAZA HOME MORTGAGE, INC. | 4 | 1.1% | — |
| 23 | GoPrime Mortgage, Inc. | 4 | 1.1% | — |
| 24 | Forcht Bank, National Association | 4 | 1.1% | — |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 1.1% | — |
| 26 | Fifth Third Bank, National Association 62 out of 100, Moderate | 4 | 1.1% | 34.0% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.8% | 14.1% |
| 28 | FIGURE LENDING LLC | 3 | 0.8% | — |
| 29 | COMMONWEALTH | 3 | 0.8% | — |
| 30 | Farm Credit Mid-America | 3 | 0.8% | — |
| 31 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.8% | — |
| 32 | Northpointe Bank 58 out of 100, Moderate | 3 | 0.8% | 10.4% |
| 33 | Loandepot.Com, LLC | 2 | 0.5% | — |
| 34 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.5% | 44.7% |
| 35 | The Federal Savings Bank 51 out of 100, Below average | 2 | 0.5% | 19.1% |
| 36 | TOP FLITE FINANCIAL, INC. | 2 | 0.5% | — |
| 37 | NATIONSTAR MORTGAGE LLC | 2 | 0.5% | — |
| 38 | FREEDOM MORTGAGE CORPORATION | 2 | 0.5% | — |
| 39 | KIND LENDING, LLC | 2 | 0.5% | — |
| 40 | FirstBank 59 out of 100, Moderate | 2 | 0.5% | 42.8% |
Top 40 of 89 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Kentucky
- Jefferson County 34,355 apps
- Fayette County 12,096 apps
- Kenton County 9,206 apps
- Boone County 7,875 apps
- Hardin County 5,758 apps
- Warren County 5,386 apps
- Bullitt County 4,826 apps
- Campbell County 4,786 apps
- Madison County 4,634 apps
- Daviess County 3,848 apps
- Scott County 3,599 apps
- Oldham County 3,581 apps