Kentucky · HMDA 2025
Mortgage lenders in Bell County, KY
91 lenders reported 689 home-loan applications in Bell County in 2025. 208 closed as loans ($29.0M), 259 were denied — a 53.2% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 41% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 689
- Loans originated
- 208
- Purchase / refinance
- 125 / 47
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 210 | 30.5% | — |
| 2 | Community Trust Bank, Inc. 80 out of 100, Strong | 37 | 5.4% | 13.9% |
| 3 | Hearthside Bank Corporation 68 out of 100, Moderate | 34 | 4.9% | 11.7% |
| 4 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 29 | 4.2% | 74.7% |
| 5 | Rocket Mortgage, LLC | 28 | 4.1% | — |
| 6 | Y-12 Federal Credit Union 70 out of 100, Strong | 25 | 3.6% | 34.4% |
| 7 | Commercial Bank 77 out of 100, Strong | 23 | 3.3% | 7.9% |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 16 | 2.3% | — |
| 9 | FirstBank 59 out of 100, Moderate | 16 | 2.3% | 42.8% |
| 10 | 21st Mortgage Corporation | 14 | 2.0% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 14 | 2.0% | — |
| 12 | Mortgage Research Center, LLC | 12 | 1.7% | — |
| 13 | RIGHT START MORTGAGE, INC. | 12 | 1.7% | — |
| 14 | NEWREZ LLC | 11 | 1.6% | — |
| 15 | Broker Solutions, Inc. | 11 | 1.6% | — |
| 16 | PLANET HOME LENDING, LLC | 10 | 1.5% | — |
| 17 | STOCKTON MORTGAGE CORPORATION | 10 | 1.5% | — |
| 18 | AMERICAN PACIFIC MORTGAGE CORPORATION | 8 | 1.2% | — |
| 19 | AmeriSave Mortgage Corporation | 7 | 1.0% | — |
| 20 | Renasant Bank 64 out of 100, Moderate | 7 | 1.0% | 11.6% |
| 21 | COMMONWEALTH | 7 | 1.0% | — |
| 22 | First State Bank of the Southeast, Inc. | 7 | 1.0% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 0.9% | — |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 0.9% | 39.5% |
| 25 | FREEDOM MORTGAGE CORPORATION | 6 | 0.9% | — |
| 26 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 0.9% | — |
| 27 | GoPrime Mortgage, Inc. | 5 | 0.7% | — |
| 28 | Truist Bank 63 out of 100, Moderate | 4 | 0.6% | 40.8% |
| 29 | Discover Bank | 4 | 0.6% | — |
| 30 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.6% | 33.8% |
| 31 | TOP FLITE FINANCIAL, INC. | 4 | 0.6% | — |
| 32 | L & N Federal Credit Union 72 out of 100, Strong | 4 | 0.6% | 8.7% |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 4 | 0.6% | 34.0% |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.4% | — |
| 35 | SPRING EQ, LLC | 3 | 0.4% | — |
| 36 | Sierra Pacific Mortgage Company, Inc. | 3 | 0.4% | — |
| 37 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.4% | — |
| 38 | Equity Prime Mortgage LLC | 3 | 0.4% | — |
| 39 | NEW DAY FINANCIAL, LLC | 3 | 0.4% | — |
| 40 | PHH Mortgage Corporation | 3 | 0.4% | — |
Top 40 of 91 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