Kentucky · HMDA 2025
Mortgage lenders in Bourbon County, KY
138 lenders reported 872 home-loan applications in Bourbon County in 2025. 438 closed as loans ($98.0M), 182 were denied — a 28.1% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 22% of applications, led by Stock Yards Bank & Trust Company. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 872
- Loans originated
- 438
- Purchase / refinance
- 199 / 146
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bourbon County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 73 | 8.4% | 21.5% |
| 2 | Traditional Bank, Inc. 73 out of 100, Strong | 71 | 8.1% | 10.6% |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 51 | 5.8% | 34.0% |
| 4 | Rocket Mortgage, LLC | 40 | 4.6% | — |
| 5 | UNIVERSITY OF KENTUCKY | 39 | 4.5% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 37 | 4.2% | — |
| 7 | COMMONWEALTH | 37 | 4.2% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 26 | 3.0% | — |
| 9 | STOCKTON MORTGAGE CORPORATION | 20 | 2.3% | — |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 2.1% | — |
| 11 | Community Trust Bank, Inc. 80 out of 100, Strong | 17 | 1.9% | 13.9% |
| 12 | NEWREZ LLC | 15 | 1.7% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.5% | 14.1% |
| 14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 1.5% | — |
| 15 | PLANET HOME LENDING, LLC | 13 | 1.5% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 13 | 1.5% | — |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 11 | 1.3% | 39.5% |
| 18 | MEMBERS HERITAGE Credit Union 71 out of 100, Strong | 10 | 1.1% | 3.5% |
| 19 | PNC Bank, National Association 62 out of 100, Moderate | 9 | 1.0% | 33.8% |
| 20 | Central Bank & Trust Company 76 out of 100, Strong | 9 | 1.0% | 9.9% |
| 21 | 21st Mortgage Corporation | 8 | 0.9% | — |
| 22 | AmeriSave Mortgage Corporation | 8 | 0.9% | — |
| 23 | Mortgage Research Center, LLC | 8 | 0.9% | — |
| 24 | Kiavi Funding, Inc. | 8 | 0.9% | — |
| 25 | Farm Credit Mid-America | 8 | 0.9% | — |
| 26 | T2 FINANCIAL LLC | 8 | 0.9% | — |
| 27 | The Home Savings and Loan Company of Kenton, Ohio | 8 | 0.9% | — |
| 28 | MORTGAGE INVESTORS GROUP, INC. | 8 | 0.9% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.8% | 32.9% |
| 30 | Truist Bank 63 out of 100, Moderate | 7 | 0.8% | 40.8% |
| 31 | Guardian Savings Bank 83 out of 100, Strong | 7 | 0.8% | 11.5% |
| 32 | NATIONSTAR MORTGAGE LLC | 7 | 0.8% | — |
| 33 | Peoples Exchange Bank 71 out of 100, Strong | 7 | 0.8% | 15.2% |
| 34 | LOWER, LLC | 7 | 0.8% | — |
| 35 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.8% | — |
| 36 | Loandepot.Com, LLC | 6 | 0.7% | — |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 6 | 0.7% | — |
| 38 | REPUBLIC STATE MORTGAGE CO. | 6 | 0.7% | — |
| 39 | FIGURE LENDING LLC | 6 | 0.7% | — |
| 40 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 0.7% | 74.7% |
Top 40 of 138 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