Kentucky · HMDA 2025
Mortgage lenders in Fleming County, KY
97 lenders reported 613 home-loan applications in Fleming County in 2025. 320 closed as loans ($52.1M), 144 were denied — a 30.2% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 38% of applications, led by Community Trust Bank, Inc.. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 613
- Loans originated
- 320
- Purchase / refinance
- 156 / 102
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fleming County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Community Trust Bank, Inc. 80 out of 100, Strong | 92 | 15.0% | 13.9% |
| 2 | Peoples Bank of Kentucky, Inc. | 92 | 15.0% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 50 | 8.2% | — |
| 4 | 21st Mortgage Corporation | 27 | 4.4% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 27 | 4.4% | 39.5% |
| 6 | Rocket Mortgage, LLC | 24 | 3.9% | — |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 16 | 2.6% | — |
| 8 | STOCKTON MORTGAGE CORPORATION | 15 | 2.4% | — |
| 9 | COMMONWEALTH | 14 | 2.3% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 12 | 2.0% | — |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 1.8% | — |
| 12 | EVERETT FINANCIAL, INC. | 11 | 1.8% | — |
| 13 | PLANET HOME LENDING, LLC | 10 | 1.6% | — |
| 14 | UNION HOME MORTGAGE CORP. | 10 | 1.6% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 9 | 1.5% | — |
| 16 | AmeriSave Mortgage Corporation | 7 | 1.1% | — |
| 17 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 7 | 1.1% | 21.5% |
| 18 | Farm Credit Mid-America | 7 | 1.1% | — |
| 19 | Broker Solutions, Inc. | 6 | 1.0% | — |
| 20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | 1.0% | — |
| 21 | T2 FINANCIAL LLC | 6 | 1.0% | — |
| 22 | Equity Prime Mortgage LLC | 6 | 1.0% | — |
| 23 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 1.0% | 74.7% |
| 24 | NEWREZ LLC | 5 | 0.8% | — |
| 25 | GUARANTEED RATE, INC. | 5 | 0.8% | — |
| 26 | Mortgage Research Center, LLC | 5 | 0.8% | — |
| 27 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 0.8% | — |
| 28 | AMERICAN FINANCING CORPORATION | 5 | 0.8% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 5 | 0.8% | — |
| 30 | FirstBank 59 out of 100, Moderate | 5 | 0.8% | 42.8% |
| 31 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.7% | 14.1% |
| 32 | Whitaker Bank | 4 | 0.7% | — |
| 33 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 0.5% | 32.5% |
| 34 | Loandepot.Com, LLC | 3 | 0.5% | — |
| 35 | Paramount Residential Mortgage Group, Inc. | 3 | 0.5% | — |
| 36 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.5% | — |
| 37 | Zippy Loans, LLC | 3 | 0.5% | — |
| 38 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.5% | — |
| 39 | MEMBERS HERITAGE Credit Union 71 out of 100, Strong | 3 | 0.5% | 3.5% |
| 40 | Peoples Bank 67 out of 100, Moderate | 3 | 0.5% | 24.1% |
Top 40 of 97 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