Kentucky · HMDA 2025
Mortgage lenders in Ballard County, KY
71 lenders reported 267 home-loan applications in Ballard County in 2025. 146 closed as loans ($22.7M), 58 were denied — a 26.7% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 27% of applications, led by First Community Bank of the Heartland, Inc. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 267
- Loans originated
- 146
- Purchase / refinance
- 79 / 49
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ballard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Community Bank of the Heartland, Inc 56 out of 100, Moderate | 27 | 10.1% | 12.5% |
| 2 | Regions Bank 64 out of 100, Moderate | 23 | 8.6% | 43.1% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 7.9% | — |
| 4 | Citizens Deposit Bank of Arlington Inc | 21 | 7.9% | — |
| 5 | Rocket Mortgage, LLC | 15 | 5.6% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 10 | 3.7% | — |
| 7 | TOWNE MORTGAGE COMPANY | 9 | 3.4% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 3.0% | — |
| 9 | NEWREZ LLC | 7 | 2.6% | — |
| 10 | Mortgage Research Center, LLC | 7 | 2.6% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 7 | 2.6% | — |
| 12 | 21st Mortgage Corporation | 5 | 1.9% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 1.9% | 39.5% |
| 14 | FIRSTTRUST HOME LOANS, INC. | 5 | 1.9% | — |
| 15 | NATIONSTAR MORTGAGE LLC | 5 | 1.9% | — |
| 16 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 1.9% | — |
| 17 | GERSHMAN INVESTMENT CORP. | 4 | 1.5% | — |
| 18 | The Paducah Bank and Trust Company 79 out of 100, Strong | 4 | 1.5% | 7.9% |
| 19 | Loandepot.Com, LLC | 3 | 1.1% | — |
| 20 | AmeriSave Mortgage Corporation | 3 | 1.1% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 1.1% | — |
| 22 | PLANET HOME LENDING, LLC | 3 | 1.1% | — |
| 23 | NEW DAY FINANCIAL, LLC | 3 | 1.1% | — |
| 24 | STOCKTON MORTGAGE CORPORATION | 3 | 1.1% | — |
| 25 | EVERETT FINANCIAL, INC. | 3 | 1.1% | — |
| 26 | Texana Bank, National Association | 3 | 1.1% | — |
| 27 | FNB Bank, Inc. | 3 | 1.1% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.7% | 32.9% |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.7% | 14.1% |
| 30 | Truist Bank 63 out of 100, Moderate | 2 | 0.7% | 40.8% |
| 31 | GUILD MORTGAGE COMPANY | 2 | 0.7% | — |
| 32 | Synergy One Lending, Inc. | 2 | 0.7% | — |
| 33 | FIGURE LENDING LLC | 2 | 0.7% | — |
| 34 | SOUTHWEST STAGE FUNDING, LLC | 2 | 0.7% | — |
| 35 | Northpointe Bank 58 out of 100, Moderate | 2 | 0.7% | 10.4% |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.4% | 32.5% |
| 37 | Broker Solutions, Inc. | 1 | 0.4% | — |
| 38 | Discover Bank | 1 | 0.4% | — |
| 39 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.4% | — |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.4% | 33.8% |
Top 40 of 71 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