Kentucky · HMDA 2025
Mortgage lenders in Breckinridge County, KY
126 lenders reported 784 home-loan applications in Breckinridge County in 2025. 390 closed as loans ($65.2M), 148 were denied — a 26.5% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 27% of applications, led by The Cecilian Bank. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 784
- Loans originated
- 390
- Purchase / refinance
- 227 / 104
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Breckinridge County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Cecilian Bank 77 out of 100, Strong | 113 | 14.4% | 11.4% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 62 | 7.9% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 36 | 4.6% | — |
| 4 | Rocket Mortgage, LLC | 33 | 4.2% | — |
| 5 | 21st Mortgage Corporation | 32 | 4.1% | — |
| 6 | Abound Federal Credit Union 81 out of 100, Strong | 29 | 3.7% | 18.6% |
| 7 | Meade County Bank | 26 | 3.3% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 2.7% | — |
| 9 | NEWREZ LLC | 18 | 2.3% | — |
| 10 | Mortgage Research Center, LLC | 17 | 2.2% | — |
| 11 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 17 | 2.2% | 74.7% |
| 12 | Northpointe Bank 58 out of 100, Moderate | 17 | 2.2% | 10.4% |
| 13 | Broker Solutions, Inc. | 16 | 2.0% | — |
| 14 | Farm Credit Mid-America | 14 | 1.8% | — |
| 15 | Navy Federal Credit Union 66 out of 100, Moderate | 12 | 1.5% | 32.9% |
| 16 | PREMIER LENDING, INC. | 12 | 1.5% | — |
| 17 | Liberty | 11 | 1.4% | — |
| 18 | West Point Bank 57 out of 100, Moderate | 11 | 1.4% | 8.9% |
| 19 | NATIONSTAR MORTGAGE LLC | 10 | 1.3% | — |
| 20 | AmeriSave Mortgage Corporation | 9 | 1.1% | — |
| 21 | Loandepot.Com, LLC | 8 | 1.0% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 8 | 1.0% | — |
| 23 | Fifth Third Bank, National Association 62 out of 100, Moderate | 8 | 1.0% | 34.0% |
| 24 | Independence Bank of Kentucky | 7 | 0.9% | — |
| 25 | First Financial Bank, National Association 68 out of 100, Moderate | 7 | 0.9% | 28.8% |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.8% | 14.1% |
| 27 | FirstBank 59 out of 100, Moderate | 6 | 0.8% | 42.8% |
| 28 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.8% | — |
| 29 | EVERETT FINANCIAL, INC. | 6 | 0.8% | — |
| 30 | Citizens Bank, National Association 54 out of 100, Below average | 5 | 0.6% | 32.5% |
| 31 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.6% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 5 | 0.6% | 33.8% |
| 33 | PLANET HOME LENDING, LLC | 5 | 0.6% | — |
| 34 | UNION HOME MORTGAGE CORP. | 5 | 0.6% | — |
| 35 | LOWER, LLC | 5 | 0.6% | — |
| 36 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 5 | 0.6% | 7.5% |
| 37 | Regions Bank 64 out of 100, Moderate | 4 | 0.5% | 43.1% |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 4 | 0.5% | — |
| 39 | SPRING EQ, LLC | 4 | 0.5% | — |
| 40 | River City Bank, Inc. 74 out of 100, Strong | 4 | 0.5% | 12.4% |
Top 40 of 126 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