Kentucky · HMDA 2025
Mortgage lenders in Carter County, KY
100 lenders reported 918 home-loan applications in Carter County in 2025. 432 closed as loans ($65.6M), 204 were denied — a 29.9% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 30% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 918
- Loans originated
- 432
- Purchase / refinance
- 251 / 123
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Carter County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 115 | 12.5% | — |
| 2 | The Commercial Bank of Grayson | 89 | 9.7% | — |
| 3 | First Grayson Bancorp, Inc. 79 out of 100, Strong | 71 | 7.7% | 24.0% |
| 4 | 21st Mortgage Corporation | 44 | 4.8% | — |
| 5 | Rocket Mortgage, LLC | 44 | 4.8% | — |
| 6 | City National Bank of West Virginia 78 out of 100, Strong | 42 | 4.6% | 27.3% |
| 7 | Mortgage Research Center, LLC | 30 | 3.3% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 2.9% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 27 | 2.9% | — |
| 10 | STOCKTON MORTGAGE CORPORATION | 27 | 2.9% | — |
| 11 | MEMBERS CHOICE | 24 | 2.6% | — |
| 12 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 19 | 2.1% | 74.7% |
| 13 | TRIAD FINANCIAL SERVICES, INC. | 18 | 2.0% | — |
| 14 | SOUTHWEST STAGE FUNDING, LLC | 18 | 2.0% | — |
| 15 | FirstBank 59 out of 100, Moderate | 16 | 1.7% | 42.8% |
| 16 | NEWREZ LLC | 14 | 1.5% | — |
| 17 | Kentucky Farmers Bank Corporation | 12 | 1.3% | — |
| 18 | Broker Solutions, Inc. | 11 | 1.2% | — |
| 19 | Loandepot.Com, LLC | 9 | 1.0% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 1.0% | 39.5% |
| 21 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 9 | 1.0% | 21.5% |
| 22 | DESCO | 9 | 1.0% | — |
| 23 | Equity Prime Mortgage LLC | 9 | 1.0% | — |
| 24 | Fifth Third Bank, National Association 62 out of 100, Moderate | 9 | 1.0% | 34.0% |
| 25 | MOVEMENT MORTGAGE, LLC | 8 | 0.9% | — |
| 26 | CITIZENS BANK OF KENTUCKY, INC. 79 out of 100, Strong | 8 | 0.9% | 18.3% |
| 27 | Coastal Community Bank 35 out of 100, Low | 8 | 0.9% | 3.0% |
| 28 | AmeriSave Mortgage Corporation | 7 | 0.8% | — |
| 29 | AMERIHOME MORTGAGE COMPANY, LLC | 7 | 0.8% | — |
| 30 | PLANET HOME LENDING, LLC | 7 | 0.8% | — |
| 31 | SOFI BANK, NATIONAL ASSOCIATION | 7 | 0.8% | — |
| 32 | FREEDOM MORTGAGE CORPORATION | 7 | 0.8% | — |
| 33 | ASHLAND Credit Union 62 out of 100, Moderate | 7 | 0.8% | 53.2% |
| 34 | PNC Bank, National Association 62 out of 100, Moderate | 6 | 0.7% | 33.8% |
| 35 | SPRING EQ, LLC | 6 | 0.7% | — |
| 36 | FIGURE LENDING LLC | 6 | 0.7% | — |
| 37 | Click n' Close, Inc. | 6 | 0.7% | — |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 6 | 0.7% | — |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.5% | 32.9% |
| 40 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.5% | 14.1% |
Top 40 of 100 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