Kentucky · HMDA 2025
Mortgage lenders in Estill County, KY
91 lenders reported 469 home-loan applications in Estill County in 2025. 195 closed as loans ($33.0M), 131 were denied — a 39.3% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 25% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 469
- Loans originated
- 195
- Purchase / refinance
- 115 / 55
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Estill County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 49 | 10.4% | — |
| 2 | 21st Mortgage Corporation | 40 | 8.5% | — |
| 3 | Rocket Mortgage, LLC | 26 | 5.5% | — |
| 4 | Broker Solutions, Inc. | 24 | 5.1% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 21 | 4.5% | — |
| 6 | T2 FINANCIAL LLC | 17 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 3.4% | — |
| 8 | Whitaker Bank | 15 | 3.2% | — |
| 9 | COMMONWEALTH | 15 | 3.2% | — |
| 10 | NEWREZ LLC | 13 | 2.8% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 2.8% | 39.5% |
| 12 | Mortgage Research Center, LLC | 12 | 2.6% | — |
| 13 | PLANET HOME LENDING, LLC | 12 | 2.6% | — |
| 14 | AmeriSave Mortgage Corporation | 10 | 2.1% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 9 | 1.9% | — |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | 1.7% | — |
| 17 | STOCKTON MORTGAGE CORPORATION | 8 | 1.7% | — |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 1.3% | — |
| 19 | EVERETT FINANCIAL, INC. | 6 | 1.3% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 1.1% | 32.9% |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.1% | 14.1% |
| 22 | NEW DAY FINANCIAL, LLC | 5 | 1.1% | — |
| 23 | Northpointe Bank 58 out of 100, Moderate | 5 | 1.1% | 10.4% |
| 24 | Fifth Third Bank, National Association 62 out of 100, Moderate | 5 | 1.1% | 34.0% |
| 25 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.9% | 32.5% |
| 26 | Loandepot.Com, LLC | 4 | 0.9% | — |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.9% | — |
| 28 | REPUBLIC STATE MORTGAGE CO. | 4 | 0.9% | — |
| 29 | Community Trust Bank, Inc. 80 out of 100, Strong | 4 | 0.9% | 13.9% |
| 30 | Central Bank & Trust Company 76 out of 100, Strong | 4 | 0.9% | 9.9% |
| 31 | FirstBank 59 out of 100, Moderate | 4 | 0.9% | 42.8% |
| 32 | Coastal Community Bank 35 out of 100, Low | 4 | 0.9% | 3.0% |
| 33 | TRIAD FINANCIAL SERVICES, INC. | 3 | 0.6% | — |
| 34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | 0.6% | — |
| 35 | Click n' Close, Inc. | 3 | 0.6% | — |
| 36 | KIND LENDING, LLC | 3 | 0.6% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.6% | — |
| 38 | Peoples Exchange Bank 71 out of 100, Strong | 3 | 0.6% | 15.2% |
| 39 | Luminate Bank 47 out of 100, Below average | 3 | 0.6% | 4.3% |
| 40 | UNIVERSITY OF KENTUCKY | 3 | 0.6% | — |
Top 40 of 91 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