Kentucky · HMDA 2025
Mortgage lenders in Bath County, KY
86 lenders reported 409 home-loan applications in Bath County in 2025. 182 closed as loans ($29.6M), 100 were denied — a 33.7% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 33% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 409
- Loans originated
- 182
- Purchase / refinance
- 112 / 46
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bath County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 64 | 15.6% | — |
| 2 | Peoples Bank of Kentucky, Inc. | 40 | 9.8% | — |
| 3 | Rocket Mortgage, LLC | 31 | 7.6% | — |
| 4 | 21st Mortgage Corporation | 14 | 3.4% | — |
| 5 | Community Trust Bank, Inc. 80 out of 100, Strong | 13 | 3.2% | 13.9% |
| 6 | COMMONWEALTH | 13 | 3.2% | — |
| 7 | Traditional Bank, Inc. 73 out of 100, Strong | 12 | 2.9% | 10.6% |
| 8 | Mortgage Research Center, LLC | 10 | 2.4% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 9 | 2.2% | — |
| 10 | REPUBLIC STATE MORTGAGE CO. | 9 | 2.2% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 2.0% | — |
| 12 | Broker Solutions, Inc. | 8 | 2.0% | — |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | 2.0% | — |
| 14 | PLANET HOME LENDING, LLC | 7 | 1.7% | — |
| 15 | Farm Credit Mid-America | 7 | 1.7% | — |
| 16 | STOCKTON MORTGAGE CORPORATION | 7 | 1.7% | — |
| 17 | Whitaker Bank | 6 | 1.5% | — |
| 18 | AmeriSave Mortgage Corporation | 5 | 1.2% | — |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 1.2% | 39.5% |
| 20 | SUN WEST MORTGAGE COMPANY, INC. | 5 | 1.2% | — |
| 21 | Navy Federal Credit Union 66 out of 100, Moderate | 4 | 1.0% | 32.9% |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 4 | 1.0% | — |
| 23 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 4 | 1.0% | 21.5% |
| 24 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 1.0% | — |
| 25 | FREEDOM MORTGAGE CORPORATION | 4 | 1.0% | — |
| 26 | FirstBank 59 out of 100, Moderate | 4 | 1.0% | 42.8% |
| 27 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | 1.0% | — |
| 28 | NEW DAY FINANCIAL, LLC | 4 | 1.0% | — |
| 29 | Peoples Exchange Bank 71 out of 100, Strong | 4 | 1.0% | 15.2% |
| 30 | Coastal Community Bank 35 out of 100, Low | 4 | 1.0% | 3.0% |
| 31 | NEWREZ LLC | 3 | 0.7% | — |
| 32 | Paramount Residential Mortgage Group, Inc. | 3 | 0.7% | — |
| 33 | Central Bank & Trust Company 76 out of 100, Strong | 3 | 0.7% | 9.9% |
| 34 | NATIONSTAR MORTGAGE LLC | 3 | 0.7% | — |
| 35 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 0.7% | 74.7% |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 0.7% | — |
| 37 | Northpointe Bank 58 out of 100, Moderate | 3 | 0.7% | 10.4% |
| 38 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.7% | — |
| 39 | EVERETT FINANCIAL, INC. | 3 | 0.7% | — |
| 40 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 0.7% | 34.0% |
Top 40 of 86 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