Kentucky · HMDA 2025
Mortgage lenders in Garrard County, KY
129 lenders reported 938 home-loan applications in Garrard County in 2025. 497 closed as loans ($97.5M), 153 were denied — a 22.7% denial rate on decided applications, close to the Kentucky rate of 23.3%. The three most active lenders handled 17% of applications, led by Whitaker Bank. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 938
- Loans originated
- 497
- Purchase / refinance
- 251 / 148
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Garrard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Whitaker Bank | 71 | 7.6% | — |
| 2 | Rocket Mortgage, LLC | 46 | 4.9% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 45 | 4.8% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 41 | 4.4% | — |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 38 | 4.1% | — |
| 6 | Broker Solutions, Inc. | 33 | 3.5% | — |
| 7 | UNIVERSITY OF KENTUCKY | 32 | 3.4% | — |
| 8 | COMMONWEALTH | 30 | 3.2% | — |
| 9 | First Southern National Bank | 28 | 3.0% | — |
| 10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 27 | 2.9% | — |
| 11 | NEWREZ LLC | 21 | 2.2% | — |
| 12 | Mortgage Research Center, LLC | 21 | 2.2% | — |
| 13 | T2 FINANCIAL LLC | 21 | 2.2% | — |
| 14 | 21st Mortgage Corporation | 19 | 2.0% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 19 | 2.0% | 14.1% |
| 16 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 17 | 1.8% | 21.5% |
| 17 | Community Trust Bank, Inc. 80 out of 100, Strong | 16 | 1.7% | 13.9% |
| 18 | FREEDOM MORTGAGE CORPORATION | 15 | 1.6% | — |
| 19 | Citizens Bank, National Association 54 out of 100, Below average | 14 | 1.5% | 32.5% |
| 20 | The Farmers Bank 78 out of 100, Strong | 14 | 1.5% | 3.7% |
| 21 | PNC Bank, National Association 62 out of 100, Moderate | 13 | 1.4% | 33.8% |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 1.4% | 39.5% |
| 23 | Fifth Third Bank, National Association 62 out of 100, Moderate | 13 | 1.4% | 34.0% |
| 24 | Central Bank & Trust Company 76 out of 100, Strong | 12 | 1.3% | 9.9% |
| 25 | UNION HOME MORTGAGE CORP. | 11 | 1.2% | — |
| 26 | LAKEVIEW LOAN SERVICING, LLC | 10 | 1.1% | — |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 1.0% | — |
| 28 | Park Federal Credit Union 63 out of 100, Moderate | 9 | 1.0% | 18.5% |
| 29 | NATIONSTAR MORTGAGE LLC | 9 | 1.0% | — |
| 30 | City National Bank of West Virginia 78 out of 100, Strong | 9 | 1.0% | 27.3% |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 8 | 0.9% | 32.9% |
| 32 | PLANET HOME LENDING, LLC | 8 | 0.9% | — |
| 33 | STOCKTON MORTGAGE CORPORATION | 8 | 0.9% | — |
| 34 | AmeriSave Mortgage Corporation | 7 | 0.7% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.7% | — |
| 36 | Loandepot.Com, LLC | 6 | 0.6% | — |
| 37 | Abound Federal Credit Union 81 out of 100, Strong | 6 | 0.6% | 18.6% |
| 38 | Guardian Savings Bank 83 out of 100, Strong | 6 | 0.6% | 11.5% |
| 39 | Equity Prime Mortgage LLC | 6 | 0.6% | — |
| 40 | GoPrime Mortgage, Inc. | 6 | 0.6% | — |
Top 40 of 129 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