Kentucky · HMDA 2025
Mortgage lenders in Caldwell County, KY
88 lenders reported 415 home-loan applications in Caldwell County in 2025. 246 closed as loans ($38.5M), 77 were denied — a 23.4% denial rate on decided applications, close to the Kentucky rate of 23.3%. The three most active lenders handled 24% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 415
- Loans originated
- 246
- Purchase / refinance
- 113 / 91
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Caldwell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 35 | 8.4% | — |
| 2 | First Southern National Bank | 34 | 8.2% | — |
| 3 | Planters Bank, Inc. 77 out of 100, Strong | 32 | 7.7% | 0.9% |
| 4 | Rocket Mortgage, LLC | 29 | 7.0% | — |
| 5 | Fifth Third Bank, National Association 62 out of 100, Moderate | 21 | 5.1% | 34.0% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 18 | 4.3% | — |
| 7 | Renasant Bank 64 out of 100, Moderate | 17 | 4.1% | 11.6% |
| 8 | Mortgage Research Center, LLC | 13 | 3.1% | — |
| 9 | GERSHMAN INVESTMENT CORP. | 12 | 2.9% | — |
| 10 | 21st Mortgage Corporation | 9 | 2.2% | — |
| 11 | NEWREZ LLC | 9 | 2.2% | — |
| 12 | Farmers Bank and Trust Company 74 out of 100, Strong | 9 | 2.2% | 10.5% |
| 13 | Loandepot.Com, LLC | 8 | 1.9% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 1.9% | — |
| 15 | AmeriSave Mortgage Corporation | 7 | 1.7% | — |
| 16 | Truist Bank 63 out of 100, Moderate | 6 | 1.4% | 40.8% |
| 17 | Broker Solutions, Inc. | 6 | 1.4% | — |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 1.4% | 39.5% |
| 19 | LAKEVIEW LOAN SERVICING, LLC | 6 | 1.4% | — |
| 20 | DAS Acquisition Company, LLC | 6 | 1.4% | — |
| 21 | Magnolia Bank, Incorporated 49 out of 100, Below average | 6 | 1.4% | 10.3% |
| 22 | Fortera Federal Credit Union 78 out of 100, Strong | 5 | 1.2% | 27.6% |
| 23 | PLANET HOME LENDING, LLC | 5 | 1.2% | — |
| 24 | First Financial Bank, National Association 68 out of 100, Moderate | 5 | 1.2% | 28.8% |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.0% | — |
| 26 | FIGURE LENDING LLC | 4 | 1.0% | — |
| 27 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | 1.0% | — |
| 28 | STOCKTON MORTGAGE CORPORATION | 4 | 1.0% | — |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.7% | 14.1% |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.7% | — |
| 31 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.7% | 33.8% |
| 32 | SOFI BANK, NATIONAL ASSOCIATION | 3 | 0.7% | — |
| 33 | Liberty | 3 | 0.7% | — |
| 34 | FREEDOM MORTGAGE CORPORATION | 3 | 0.7% | — |
| 35 | Luminate Bank 47 out of 100, Below average | 3 | 0.7% | 4.3% |
| 36 | FNB Bank, Inc. | 3 | 0.7% | — |
| 37 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.5% | 31.6% |
| 38 | GUILD MORTGAGE COMPANY | 2 | 0.5% | — |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.5% | — |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.5% | — |
Top 40 of 88 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