Kentucky · HMDA 2025
Mortgage lenders in Clay County, KY
79 lenders reported 512 home-loan applications in Clay County in 2025. 130 closed as loans ($19.6M), 211 were denied — a 57.5% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 44% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 512
- Loans originated
- 130
- Purchase / refinance
- 81 / 25
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Clay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 126 | 24.6% | — |
| 2 | 21st Mortgage Corporation | 66 | 12.9% | — |
| 3 | PNC Bank, National Association 62 out of 100, Moderate | 33 | 6.4% | 33.8% |
| 4 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 28 | 5.5% | 74.7% |
| 5 | Rocket Mortgage, LLC | 17 | 3.3% | — |
| 6 | FirstBank 59 out of 100, Moderate | 15 | 2.9% | 42.8% |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 14 | 2.7% | — |
| 8 | Community Trust Bank, Inc. 80 out of 100, Strong | 13 | 2.5% | 13.9% |
| 9 | L & N Federal Credit Union 72 out of 100, Strong | 12 | 2.3% | 8.7% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 9 | 1.8% | — |
| 11 | Mortgage Research Center, LLC | 9 | 1.8% | — |
| 12 | TAMMAC HOLDINGS CORPORATION | 9 | 1.8% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 8 | 1.6% | — |
| 14 | AmeriSave Mortgage Corporation | 8 | 1.6% | — |
| 15 | Broker Solutions, Inc. | 7 | 1.4% | — |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 1.4% | 39.5% |
| 17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | 1.4% | — |
| 18 | NEWREZ LLC | 6 | 1.2% | — |
| 19 | POLARIS HOME FUNDING CORP. | 6 | 1.2% | — |
| 20 | Magnolia Bank, Incorporated 49 out of 100, Below average | 6 | 1.2% | 10.3% |
| 21 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.0% | — |
| 22 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 1.0% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 5 | 1.0% | 3.0% |
| 24 | FIGURE LENDING LLC | 4 | 0.8% | — |
| 25 | COMMONWEALTH | 4 | 0.8% | — |
| 26 | FREEDOM MORTGAGE CORPORATION | 4 | 0.8% | — |
| 27 | Equity Prime Mortgage LLC | 4 | 0.8% | — |
| 28 | NEW DAY FINANCIAL, LLC | 4 | 0.8% | — |
| 29 | The Huntington National Bank 59 out of 100, Moderate | 3 | 0.6% | 31.6% |
| 30 | Discover Bank | 3 | 0.6% | — |
| 31 | PLANET HOME LENDING, LLC | 3 | 0.6% | — |
| 32 | Northpointe Bank 58 out of 100, Moderate | 3 | 0.6% | 10.4% |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.6% | — |
| 34 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.4% | 14.1% |
| 35 | Loandepot.Com, LLC | 2 | 0.4% | — |
| 36 | CSL Financial, LLC | 2 | 0.4% | — |
| 37 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.4% | — |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.4% | — |
| 39 | Farm Credit Mid-America | 2 | 0.4% | — |
| 40 | RUOFF MORTGAGE COMPANY, INC. | 2 | 0.4% | — |
Top 40 of 79 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