Kentucky · HMDA 2025
Mortgage lenders in Calloway County, KY
134 lenders reported 1,021 home-loan applications in Calloway County in 2025. 581 closed as loans ($130.2M), 180 were denied — a 22.3% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by Independence Bank of Kentucky. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,021
- Loans originated
- 581
- Purchase / refinance
- 338 / 156
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Calloway County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Independence Bank of Kentucky | 66 | 6.5% | — |
| 2 | Rocket Mortgage, LLC | 52 | 5.1% | — |
| 3 | UNION HOME MORTGAGE CORP. | 47 | 4.6% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 44 | 4.3% | — |
| 5 | FIRSTTRUST HOME LOANS, INC. | 44 | 4.3% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 39 | 3.8% | — |
| 7 | FNB Bank, Inc. | 39 | 3.8% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 38 | 3.7% | — |
| 9 | Truist Bank 63 out of 100, Moderate | 36 | 3.5% | 40.8% |
| 10 | Regions Bank 64 out of 100, Moderate | 35 | 3.4% | 43.1% |
| 11 | Mortgage Research Center, LLC | 32 | 3.1% | — |
| 12 | GERSHMAN INVESTMENT CORP. | 30 | 2.9% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 29 | 2.8% | 39.5% |
| 14 | 21st Mortgage Corporation | 21 | 2.1% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 21 | 2.1% | — |
| 16 | PLANET HOME LENDING, LLC | 19 | 1.9% | — |
| 17 | Magnolia Bank, Incorporated 49 out of 100, Below average | 19 | 1.9% | 10.3% |
| 18 | First Financial Bank, National Association 68 out of 100, Moderate | 18 | 1.8% | 28.8% |
| 19 | NEWREZ LLC | 17 | 1.7% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 15 | 1.5% | — |
| 21 | FirstBank 59 out of 100, Moderate | 14 | 1.4% | 42.8% |
| 22 | FIGURE LENDING LLC | 13 | 1.3% | — |
| 23 | AmeriSave Mortgage Corporation | 12 | 1.2% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 12 | 1.2% | — |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 11 | 1.1% | 14.1% |
| 26 | Broker Solutions, Inc. | 11 | 1.1% | — |
| 27 | Citizens Bank, National Association 54 out of 100, Below average | 10 | 1.0% | 32.5% |
| 28 | Loandepot.Com, LLC | 10 | 1.0% | — |
| 29 | TAMMAC HOLDINGS CORPORATION | 9 | 0.9% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 9 | 0.9% | 3.0% |
| 31 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 8 | 0.8% | 74.7% |
| 32 | STOCKTON MORTGAGE CORPORATION | 8 | 0.8% | — |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 8 | 0.8% | 34.0% |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.7% | 32.9% |
| 35 | SPRING EQ, LLC | 7 | 0.7% | — |
| 36 | Synergy One Lending, Inc. | 7 | 0.7% | — |
| 37 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.7% | — |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 7 | 0.7% | — |
| 39 | NEW DAY FINANCIAL, LLC | 7 | 0.7% | — |
| 40 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.7% | — |
Top 40 of 134 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