Kentucky · HMDA 2025
Mortgage lenders in Carroll County, KY
99 lenders reported 452 home-loan applications in Carroll County in 2025. 217 closed as loans ($37.0M), 106 were denied — a 31.2% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 18% of applications, led by 21st Mortgage Corporation. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 452
- Loans originated
- 217
- Purchase / refinance
- 106 / 71
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carroll County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 30 | 6.6% | — |
| 2 | The Farmers Bank of Milton | 28 | 6.2% | — |
| 3 | First National Bank of Kentucky 70 out of 100, Strong | 25 | 5.5% | 9.4% |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 24 | 5.3% | 39.5% |
| 5 | Rocket Mortgage, LLC | 23 | 5.1% | — |
| 6 | TAMMAC HOLDINGS CORPORATION | 22 | 4.9% | — |
| 7 | Park Lane Finance Solutions, LLC | 18 | 4.0% | — |
| 8 | STOCKTON MORTGAGE CORPORATION | 15 | 3.3% | — |
| 9 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 14 | 3.1% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 13 | 2.9% | — |
| 11 | NEW DAY FINANCIAL, LLC | 12 | 2.7% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 11 | 2.4% | — |
| 13 | Broker Solutions, Inc. | 9 | 2.0% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 2.0% | — |
| 15 | NEWREZ LLC | 8 | 1.8% | — |
| 16 | VANDERBILT MORTGAGE AND FINANCE, INC. | 8 | 1.8% | — |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 1.8% | — |
| 18 | PLANET HOME LENDING, LLC | 8 | 1.8% | — |
| 19 | LAKEVIEW LOAN SERVICING, LLC | 8 | 1.8% | — |
| 20 | German American Bank 75 out of 100, Strong | 8 | 1.8% | 17.2% |
| 21 | COMMONWEALTH | 7 | 1.5% | — |
| 22 | Bedford Loan & Deposit Bank | 6 | 1.3% | — |
| 23 | Prosperity Home Mortgage, LLC | 5 | 1.1% | — |
| 24 | United Citizens Bank & Trust Company 56 out of 100, Moderate | 5 | 1.1% | 12.5% |
| 25 | KIND LENDING, LLC | 5 | 1.1% | — |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.9% | — |
| 27 | Mortgage Research Center, LLC | 4 | 0.9% | — |
| 28 | Zippy Loans, LLC | 4 | 0.9% | — |
| 29 | Farm Credit Mid-America | 4 | 0.9% | — |
| 30 | SUCCESS MORTGAGE PARTNERS, INC. | 4 | 0.9% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 4 | 0.9% | 3.0% |
| 32 | Magnolia Bank, Incorporated 49 out of 100, Below average | 4 | 0.9% | 10.3% |
| 33 | GUARANTEED RATE, INC. | 3 | 0.7% | — |
| 34 | The Dart Bank | 3 | 0.7% | — |
| 35 | ENVOY MORTGAGE, LTD | 3 | 0.7% | — |
| 36 | UNION HOME MORTGAGE CORP. | 3 | 0.7% | — |
| 37 | LOWER, LLC | 3 | 0.7% | — |
| 38 | Northpointe Bank 58 out of 100, Moderate | 3 | 0.7% | 10.4% |
| 39 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.7% | — |
| 40 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 0.7% | 34.0% |
Top 40 of 99 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