Kentucky · HMDA 2025
Mortgage lenders in Fulton County, KY
49 lenders reported 129 home-loan applications in Fulton County in 2025. 67 closed as loans ($7.3M), 32 were denied — a 30.5% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 25% of applications, led by Rocket Mortgage, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 129
- Loans originated
- 67
- Purchase / refinance
- 33 / 17
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Fulton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 13 | 10.1% | — |
| 2 | First Financial Bank, National Association 68 out of 100, Moderate | 11 | 8.5% | 28.8% |
| 3 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 6.2% | — |
| 4 | Regions Bank 64 out of 100, Moderate | 8 | 6.2% | 43.1% |
| 5 | First Community Bank of the Heartland, Inc 56 out of 100, Moderate | 6 | 4.7% | 12.5% |
| 6 | Simmons Bank 60 out of 100, Moderate | 6 | 4.7% | 26.5% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 5 | 3.9% | — |
| 8 | Leaders Credit Union 69 out of 100, Moderate | 5 | 3.9% | 18.6% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 3.1% | 14.1% |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | 3.1% | — |
| 11 | NEWREZ LLC | 3 | 2.3% | — |
| 12 | Mortgage Research Center, LLC | 3 | 2.3% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 3 | 2.3% | — |
| 14 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 1.6% | — |
| 15 | SPRING EQ, LLC | 2 | 1.6% | — |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 1.6% | 39.5% |
| 17 | Synergy One Lending, Inc. | 2 | 1.6% | — |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 1.6% | — |
| 19 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 2 | 1.6% | 21.5% |
| 20 | Independence Bank of Kentucky | 2 | 1.6% | — |
| 21 | Citizens Deposit Bank of Arlington Inc | 2 | 1.6% | — |
| 22 | GERSHMAN INVESTMENT CORP. | 2 | 1.6% | — |
| 23 | LAKEVIEW LOAN SERVICING, LLC | 2 | 1.6% | — |
| 24 | TOWNE MORTGAGE COMPANY | 2 | 1.6% | — |
| 25 | First Citizens National Bank | 2 | 1.6% | — |
| 26 | SECURITY BANK AND TRUST COMPANY 79 out of 100, Strong | 2 | 1.6% | 7.5% |
| 27 | Magnolia Bank, Incorporated 49 out of 100, Below average | 2 | 1.6% | 10.3% |
| 28 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.8% | 32.9% |
| 29 | 21st Mortgage Corporation | 1 | 0.8% | — |
| 30 | Discover Bank | 1 | 0.8% | — |
| 31 | AmeriSave Mortgage Corporation | 1 | 0.8% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.8% | 33.8% |
| 33 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.8% | 44.7% |
| 34 | SOUTHWEST STAGE FUNDING, LLC | 1 | 0.8% | — |
| 35 | PLANET HOME LENDING, LLC | 1 | 0.8% | — |
| 36 | First Kentucky Bank 73 out of 100, Strong | 1 | 0.8% | 15.9% |
| 37 | NATIONSTAR MORTGAGE LLC | 1 | 0.8% | — |
| 38 | River Valley AgCredit, ACA | 1 | 0.8% | — |
| 39 | Banterra Bank 66 out of 100, Moderate | 1 | 0.8% | 16.1% |
| 40 | FirstBank 59 out of 100, Moderate | 1 | 0.8% | 42.8% |
Top 40 of 49 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