Kentucky · HMDA 2025
Mortgage lenders in Boone County, KY
283 lenders reported 7,875 home-loan applications in Boone County in 2025. 4,300 closed as loans ($1.1B), 1,227 were denied — a 21.3% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by Fifth Third Bank, National Association. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 7,875
- Loans originated
- 4,300
- Purchase / refinance
- 1,980 / 1,343
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Boone County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Fifth Third Bank, National Association 62 out of 100, Moderate | 527 | 6.7% | 34.0% |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 392 | 5.0% | 31.6% |
| 3 | Rocket Mortgage, LLC | 340 | 4.3% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 309 | 3.9% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 296 | 3.8% | 39.5% |
| 6 | Guardian Savings Bank 83 out of 100, Strong | 276 | 3.5% | 11.5% |
| 7 | FIRST EQUITY MORTGAGE INCORPORATED | 257 | 3.3% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 244 | 3.1% | — |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 206 | 2.6% | 14.1% |
| 10 | VICTORY MORTGAGE, L.L.C. | 194 | 2.5% | — |
| 11 | UNION HOME MORTGAGE CORP. | 190 | 2.4% | — |
| 12 | 21st Mortgage Corporation | 185 | 2.3% | — |
| 13 | STOCKTON MORTGAGE CORPORATION | 177 | 2.2% | — |
| 14 | Truist Bank 63 out of 100, Moderate | 147 | 1.9% | 40.8% |
| 15 | NEWREZ LLC | 145 | 1.8% | — |
| 16 | PNC Bank, National Association 62 out of 100, Moderate | 141 | 1.8% | 33.8% |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 137 | 1.7% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 132 | 1.7% | — |
| 19 | First Financial Bank 68 out of 100, Moderate | 130 | 1.7% | 24.9% |
| 20 | VANDERBILT MORTGAGE AND FINANCE, INC. | 115 | 1.5% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 113 | 1.4% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 110 | 1.4% | — |
| 23 | Heritage Bank, Inc. | 108 | 1.4% | — |
| 24 | Mortgage Research Center, LLC | 97 | 1.2% | — |
| 25 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 91 | 1.2% | 35.5% |
| 26 | GUARANTEED RATE, INC. | 90 | 1.1% | — |
| 27 | German American Bank 75 out of 100, Strong | 90 | 1.1% | 17.2% |
| 28 | GENERAL ELECTRIC CREDIT UNION 54 out of 100, Below average | 86 | 1.1% | 13.4% |
| 29 | Coastal Community Bank 35 out of 100, Low | 82 | 1.0% | 3.0% |
| 30 | TAMMAC HOLDINGS CORPORATION | 77 | 1.0% | — |
| 31 | NFM, INC. | 69 | 0.9% | — |
| 32 | Park Lane Finance Solutions, LLC | 68 | 0.9% | — |
| 33 | Prosperity Home Mortgage, LLC | 67 | 0.9% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 65 | 0.8% | 32.9% |
| 35 | PLANET HOME LENDING, LLC | 63 | 0.8% | — |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 58 | 0.7% | 32.5% |
| 37 | KEMBA CREDIT UNION, INC. 65 out of 100, Moderate | 57 | 0.7% | 23.7% |
| 38 | Union Savings Bank 74 out of 100, Strong | 57 | 0.7% | 5.3% |
| 39 | L & N Federal Credit Union 72 out of 100, Strong | 55 | 0.7% | 8.7% |
| 40 | CINFED Federal Credit Union 72 out of 100, Strong | 55 | 0.7% | 14.6% |
Top 40 of 283 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
- 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
- Laurel County 2,745 apps