Kentucky · HMDA 2025
Mortgage lenders in Clark County, KY
167 lenders reported 1,729 home-loan applications in Clark County in 2025. 935 closed as loans ($192.7M), 244 were denied — a 19.9% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 17% of applications, led by Stock Yards Bank & Trust Company. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,729
- Loans originated
- 935
- Purchase / refinance
- 465 / 301
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clark County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 104 | 6.0% | 21.5% |
| 2 | Traditional Bank, Inc. 73 out of 100, Strong | 99 | 5.7% | 10.6% |
| 3 | Rocket Mortgage, LLC | 92 | 5.3% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 71 | 4.1% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 59 | 3.4% | — |
| 6 | Community Trust Bank, Inc. 80 out of 100, Strong | 57 | 3.3% | 13.9% |
| 7 | Central Bank & Trust Company 76 out of 100, Strong | 56 | 3.2% | 9.9% |
| 8 | UNIVERSITY OF KENTUCKY | 51 | 2.9% | — |
| 9 | REPUBLIC STATE MORTGAGE CO. | 43 | 2.5% | — |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 43 | 2.5% | — |
| 11 | Mortgage Research Center, LLC | 40 | 2.3% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 40 | 2.3% | — |
| 13 | COMMONWEALTH | 36 | 2.1% | — |
| 14 | Broker Solutions, Inc. | 35 | 2.0% | — |
| 15 | Peoples Exchange Bank 71 out of 100, Strong | 34 | 2.0% | 15.2% |
| 16 | UNITED SHORE FINANCIAL SERVICES, LLC | 32 | 1.9% | — |
| 17 | Fifth Third Bank, National Association 62 out of 100, Moderate | 31 | 1.8% | 34.0% |
| 18 | NEWREZ LLC | 30 | 1.7% | — |
| 19 | Truist Bank 63 out of 100, Moderate | 27 | 1.6% | 40.8% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 25 | 1.4% | 14.1% |
| 21 | PLANET HOME LENDING, LLC | 25 | 1.4% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 24 | 1.4% | 33.8% |
| 23 | T2 FINANCIAL LLC | 24 | 1.4% | — |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 22 | 1.3% | 39.5% |
| 25 | Guardian Savings Bank 83 out of 100, Strong | 22 | 1.3% | 11.5% |
| 26 | Luminate Bank 47 out of 100, Below average | 21 | 1.2% | 4.3% |
| 27 | STOCKTON MORTGAGE CORPORATION | 19 | 1.1% | — |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 16 | 0.9% | 32.9% |
| 29 | AmeriSave Mortgage Corporation | 16 | 0.9% | — |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 0.9% | — |
| 31 | 21st Mortgage Corporation | 15 | 0.9% | — |
| 32 | Ixonia Bank 67 out of 100, Moderate | 15 | 0.9% | 4.7% |
| 33 | MORTGAGE INVESTORS GROUP, INC. | 15 | 0.9% | — |
| 34 | Citizens Bank, National Association 54 out of 100, Below average | 14 | 0.8% | 32.5% |
| 35 | NATIONSTAR MORTGAGE LLC | 14 | 0.8% | — |
| 36 | Bank of America, National Association 59 out of 100, Moderate | 13 | 0.8% | 44.7% |
| 37 | MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 0.8% | — |
| 38 | Burke & Herbert Bank & Trust Company 65 out of 100, Moderate | 13 | 0.8% | 15.9% |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 13 | 0.8% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 13 | 0.8% | 3.0% |
Top 40 of 167 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