Kentucky · HMDA 2025
Mortgage lenders in Boyd County, KY
148 lenders reported 1,857 home-loan applications in Boyd County in 2025. 910 closed as loans ($137.4M), 379 were denied — a 27.9% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 20% of applications, led by City National Bank of West Virginia. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,857
- Loans originated
- 910
- Purchase / refinance
- 518 / 268
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Boyd County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | City National Bank of West Virginia 78 out of 100, Strong | 144 | 7.8% | 27.3% |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 129 | 6.9% | — |
| 3 | Rocket Mortgage, LLC | 92 | 5.0% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 86 | 4.6% | — |
| 5 | MEMBERS CHOICE | 85 | 4.6% | — |
| 6 | Kentucky Farmers Bank Corporation | 78 | 4.2% | — |
| 7 | DESCO | 68 | 3.7% | — |
| 8 | STOCKTON MORTGAGE CORPORATION | 64 | 3.4% | — |
| 9 | Community Trust Bank, Inc. 80 out of 100, Strong | 58 | 3.1% | 13.9% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 56 | 3.0% | — |
| 11 | Mortgage Research Center, LLC | 54 | 2.9% | — |
| 12 | Peoples Bank 67 out of 100, Moderate | 54 | 2.9% | 24.1% |
| 13 | Equity Prime Mortgage LLC | 53 | 2.9% | — |
| 14 | Fifth Third Bank, National Association 62 out of 100, Moderate | 53 | 2.9% | 34.0% |
| 15 | PNC Bank, National Association 62 out of 100, Moderate | 50 | 2.7% | 33.8% |
| 16 | MOVEMENT MORTGAGE, LLC | 36 | 1.9% | — |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 26 | 1.4% | 39.5% |
| 18 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 24 | 1.3% | — |
| 19 | ASHLAND Credit Union 62 out of 100, Moderate | 24 | 1.3% | 53.2% |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 23 | 1.2% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 20 | 1.1% | 14.1% |
| 22 | First Grayson Bancorp, Inc. 79 out of 100, Strong | 20 | 1.1% | 24.0% |
| 23 | The Commercial Bank of Grayson | 20 | 1.1% | — |
| 24 | NEWREZ LLC | 19 | 1.0% | — |
| 25 | MYCUMORTGAGE, LLC | 19 | 1.0% | — |
| 26 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 19 | 1.0% | 74.7% |
| 27 | Broker Solutions, Inc. | 17 | 0.9% | — |
| 28 | AmeriSave Mortgage Corporation | 16 | 0.9% | — |
| 29 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 0.8% | 32.9% |
| 30 | PLANET HOME LENDING, LLC | 15 | 0.8% | — |
| 31 | FREEDOM MORTGAGE CORPORATION | 15 | 0.8% | — |
| 32 | CITIZENS BANK OF KENTUCKY, INC. 79 out of 100, Strong | 14 | 0.8% | 18.3% |
| 33 | Kiavi Funding, Inc. | 13 | 0.7% | — |
| 34 | NEW DAY FINANCIAL, LLC | 13 | 0.7% | — |
| 35 | SOUTHWEST STAGE FUNDING, LLC | 12 | 0.6% | — |
| 36 | Click n' Close, Inc. | 12 | 0.6% | — |
| 37 | COMMONWEALTH | 12 | 0.6% | — |
| 38 | The Huntington National Bank 59 out of 100, Moderate | 11 | 0.6% | 31.6% |
| 39 | GUARANTEED RATE, INC. | 11 | 0.6% | — |
| 40 | MidFirst Bank 34 out of 100, Low | 11 | 0.6% | 16.3% |
Top 40 of 148 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