Kentucky · HMDA 2025
Mortgage lenders in Gallatin County, KY
87 lenders reported 466 home-loan applications in Gallatin County in 2025. 187 closed as loans ($63.8M), 126 were denied — a 37.0% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 21% of applications, led by 21st Mortgage Corporation. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 466
- Loans originated
- 187
- Purchase / refinance
- 94 / 60
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Gallatin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 33 | 7.1% | — |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 33 | 7.1% | — |
| 3 | German American Bank 75 out of 100, Strong | 32 | 6.9% | 17.2% |
| 4 | Truist Bank 63 out of 100, Moderate | 27 | 5.8% | 40.8% |
| 5 | STOCKTON MORTGAGE CORPORATION | 19 | 4.1% | — |
| 6 | Rocket Mortgage, LLC | 16 | 3.4% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 16 | 3.4% | 39.5% |
| 8 | Park Lane Finance Solutions, LLC | 16 | 3.4% | — |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 15 | 3.2% | — |
| 10 | TAMMAC HOLDINGS CORPORATION | 13 | 2.8% | — |
| 11 | Zippy Loans, LLC | 12 | 2.6% | — |
| 12 | NEWREZ LLC | 11 | 2.4% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 11 | 2.4% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 11 | 2.4% | — |
| 15 | Fifth Third Bank, National Association 62 out of 100, Moderate | 11 | 2.4% | 34.0% |
| 16 | The Huntington National Bank 59 out of 100, Moderate | 9 | 1.9% | 31.6% |
| 17 | First National Bank of Kentucky 70 out of 100, Strong | 8 | 1.7% | 9.4% |
| 18 | UNION HOME MORTGAGE CORP. | 7 | 1.5% | — |
| 19 | Broker Solutions, Inc. | 6 | 1.3% | — |
| 20 | Discover Bank | 6 | 1.3% | — |
| 21 | AmeriSave Mortgage Corporation | 6 | 1.3% | — |
| 22 | NFM, INC. | 6 | 1.3% | — |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.1% | — |
| 24 | GUARANTEED RATE, INC. | 5 | 1.1% | — |
| 25 | PLANET HOME LENDING, LLC | 5 | 1.1% | — |
| 26 | COMMONWEALTH | 5 | 1.1% | — |
| 27 | KEMBA CREDIT UNION, INC. 65 out of 100, Moderate | 5 | 1.1% | 23.7% |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 1.1% | — |
| 29 | CARRINGTON MORTGAGE SERVICES, LLC | 5 | 1.1% | — |
| 30 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.9% | 14.1% |
| 31 | Fairway Independent Mortgage Corporation | 4 | 0.9% | — |
| 32 | TRIAD FINANCIAL SERVICES, INC. | 4 | 0.9% | — |
| 33 | Mortgage Research Center, LLC | 4 | 0.9% | — |
| 34 | THE LOAN STORE, INC. | 4 | 0.9% | — |
| 35 | FIGURE LENDING LLC | 4 | 0.9% | — |
| 36 | Farm Credit Mid-America | 4 | 0.9% | — |
| 37 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 0.9% | — |
| 38 | SUCCESS MORTGAGE PARTNERS, INC. | 4 | 0.9% | — |
| 39 | Loandepot.Com, LLC | 3 | 0.6% | — |
| 40 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.6% | 33.8% |
Top 40 of 87 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