Kentucky · HMDA 2025
Mortgage lenders in Franklin County, KY
200 lenders reported 2,535 home-loan applications in Franklin County in 2025. 1,353 closed as loans ($271.8M), 410 were denied — a 22.4% denial rate on decided applications, close to the Kentucky rate of 23.3%. The three most active lenders handled 28% of applications, led by COMMONWEALTH. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,535
- Loans originated
- 1,353
- Purchase / refinance
- 630 / 428
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Franklin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMONWEALTH | 442 | 17.4% | — |
| 2 | STOCKTON MORTGAGE CORPORATION | 149 | 5.9% | — |
| 3 | Rocket Mortgage, LLC | 122 | 4.8% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 89 | 3.5% | — |
| 5 | WesBanco Bank, Inc. 66 out of 100, Moderate | 83 | 3.3% | 20.1% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 79 | 3.1% | — |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 75 | 3.0% | 34.0% |
| 8 | Traditional Bank, Inc. 73 out of 100, Strong | 65 | 2.6% | 10.6% |
| 9 | City National Bank of West Virginia 78 out of 100, Strong | 51 | 2.0% | 27.3% |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 49 | 1.9% | — |
| 11 | Independence Bank of Kentucky | 47 | 1.9% | — |
| 12 | Mortgage Research Center, LLC | 46 | 1.8% | — |
| 13 | Community Trust Bank, Inc. 80 out of 100, Strong | 44 | 1.7% | 13.9% |
| 14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 42 | 1.7% | — |
| 15 | NEWREZ LLC | 41 | 1.6% | — |
| 16 | UNIVERSITY OF KENTUCKY | 41 | 1.6% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 39 | 1.5% | 14.1% |
| 18 | 21st Mortgage Corporation | 32 | 1.3% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 32 | 1.3% | — |
| 20 | Broker Solutions, Inc. | 28 | 1.1% | — |
| 21 | FREEDOM MORTGAGE CORPORATION | 28 | 1.1% | — |
| 22 | NATIONSTAR MORTGAGE LLC | 27 | 1.1% | — |
| 23 | REPUBLIC STATE MORTGAGE CO. | 26 | 1.0% | — |
| 24 | DAS Acquisition Company, LLC | 25 | 1.0% | — |
| 25 | AmeriSave Mortgage Corporation | 24 | 0.9% | — |
| 26 | Whitaker Bank | 24 | 0.9% | — |
| 27 | Guardian Savings Bank 83 out of 100, Strong | 23 | 0.9% | 11.5% |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 20 | 0.8% | 33.8% |
| 29 | U.S. Bank National Association 55 out of 100, Moderate | 20 | 0.8% | 39.5% |
| 30 | PLANET HOME LENDING, LLC | 20 | 0.8% | — |
| 31 | Republic Bank & Trust Company 84 out of 100, Strong | 20 | 0.8% | 12.6% |
| 32 | T2 FINANCIAL LLC | 19 | 0.7% | — |
| 33 | Citizens Bank, National Association 54 out of 100, Below average | 18 | 0.7% | 32.5% |
| 34 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 18 | 0.7% | 21.5% |
| 35 | Northpointe Bank 58 out of 100, Moderate | 18 | 0.7% | 10.4% |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 15 | 0.6% | 32.9% |
| 37 | Central Bank & Trust Company 76 out of 100, Strong | 14 | 0.6% | 9.9% |
| 38 | KIND LENDING, LLC | 13 | 0.5% | — |
| 39 | MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 0.5% | — |
| 40 | Ixonia Bank 67 out of 100, Moderate | 13 | 0.5% | 4.7% |
Top 40 of 200 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