Kentucky · HMDA 2025
Mortgage lenders in Cumberland County, KY
59 lenders reported 136 home-loan applications in Cumberland County in 2025. 57 closed as loans ($10.7M), 39 were denied — a 40.2% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 26% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 136
- Loans originated
- 57
- Purchase / refinance
- 39 / 13
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Cumberland County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 17 | 12.5% | — |
| 2 | 21st Mortgage Corporation | 10 | 7.4% | — |
| 3 | Rocket Mortgage, LLC | 8 | 5.9% | — |
| 4 | AmeriSave Mortgage Corporation | 7 | 5.1% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 5 | 3.7% | — |
| 6 | Mortgage Research Center, LLC | 5 | 3.7% | — |
| 7 | Community Trust Bank, Inc. 80 out of 100, Strong | 4 | 2.9% | 13.9% |
| 8 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 4 | 2.9% | 7.5% |
| 9 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 2.2% | 32.9% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 2.2% | — |
| 11 | Edmonton State Bank 82 out of 100, Strong | 3 | 2.2% | 15.9% |
| 12 | NEWREZ LLC | 2 | 1.5% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 1.5% | 14.1% |
| 14 | Loandepot.Com, LLC | 2 | 1.5% | — |
| 15 | Broker Solutions, Inc. | 2 | 1.5% | — |
| 16 | Discover Bank | 2 | 1.5% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 2 | 1.5% | 33.8% |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 1.5% | 39.5% |
| 19 | Abound Federal Credit Union 81 out of 100, Strong | 2 | 1.5% | 18.6% |
| 20 | GENEVA FINANCIAL, LLC | 2 | 1.5% | — |
| 21 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 1.5% | — |
| 22 | Farm Credit Mid-America | 2 | 1.5% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 2 | 1.5% | — |
| 24 | The Citizens National Bank of Somerset 75 out of 100, Strong | 2 | 1.5% | 11.3% |
| 25 | PLAZA HOME MORTGAGE, INC. | 2 | 1.5% | — |
| 26 | Equity Prime Mortgage LLC | 2 | 1.5% | — |
| 27 | KIND LENDING, LLC | 2 | 1.5% | — |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 2 | 1.5% | — |
| 29 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | 1.5% | — |
| 30 | Centennial Bank 79 out of 100, Strong | 2 | 1.5% | 23.4% |
| 31 | CMG MORTGAGE, INC. | 1 | 0.7% | — |
| 32 | Truist Bank 63 out of 100, Moderate | 1 | 0.7% | 40.8% |
| 33 | Regions Bank 64 out of 100, Moderate | 1 | 0.7% | 43.1% |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.7% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.7% | 44.7% |
| 36 | SPRING EQ, LLC | 1 | 0.7% | — |
| 37 | FIRSTTRUST HOME LOANS, INC. | 1 | 0.7% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.7% | — |
| 39 | DOMINION FINANCIAL SERVICES, LLC | 1 | 0.7% | — |
| 40 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 0.7% | — |
Top 40 of 59 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