Kentucky · HMDA 2025
Mortgage lenders in Graves County, KY
128 lenders reported 1,094 home-loan applications in Graves County in 2025. 631 closed as loans ($100.4M), 200 were denied — a 23.2% denial rate on decided applications, close to the Kentucky rate of 23.3%. The three most active lenders handled 22% of applications, led by U.S. Bank National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,094
- Loans originated
- 631
- Purchase / refinance
- 394 / 143
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Graves County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | U.S. Bank National Association 55 out of 100, Moderate | 110 | 10.1% | 39.5% |
| 2 | FNB Bank, Inc. | 75 | 6.9% | — |
| 3 | Rocket Mortgage, LLC | 58 | 5.3% | — |
| 4 | GERSHMAN INVESTMENT CORP. | 56 | 5.1% | — |
| 5 | Independence Bank of Kentucky | 51 | 4.7% | — |
| 6 | First Kentucky Bank 73 out of 100, Strong | 51 | 4.7% | 15.9% |
| 7 | Regions Bank 64 out of 100, Moderate | 50 | 4.6% | 43.1% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 44 | 4.0% | — |
| 9 | VANDERBILT MORTGAGE AND FINANCE, INC. | 40 | 3.7% | — |
| 10 | Mortgage Research Center, LLC | 34 | 3.1% | — |
| 11 | Magnolia Bank, Incorporated 49 out of 100, Below average | 33 | 3.0% | 10.3% |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 2.7% | — |
| 13 | First Community Bank of the Heartland, Inc 56 out of 100, Moderate | 21 | 1.9% | 12.5% |
| 14 | 21st Mortgage Corporation | 20 | 1.8% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 18 | 1.6% | — |
| 16 | PLANET HOME LENDING, LLC | 17 | 1.6% | — |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 1.5% | 14.1% |
| 18 | AmeriSave Mortgage Corporation | 16 | 1.5% | — |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 1.5% | — |
| 20 | Citizens Deposit Bank of Arlington Inc | 16 | 1.5% | — |
| 21 | NEWREZ LLC | 13 | 1.2% | — |
| 22 | Broker Solutions, Inc. | 13 | 1.2% | — |
| 23 | First Financial Bank, National Association 68 out of 100, Moderate | 12 | 1.1% | 28.8% |
| 24 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 1.0% | 32.9% |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 0.8% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 9 | 0.8% | — |
| 27 | LAKEVIEW LOAN SERVICING, LLC | 9 | 0.8% | — |
| 28 | The Paducah Bank and Trust Company 79 out of 100, Strong | 9 | 0.8% | 7.9% |
| 29 | FirstBank 59 out of 100, Moderate | 8 | 0.7% | 42.8% |
| 30 | STOCKTON MORTGAGE CORPORATION | 8 | 0.7% | — |
| 31 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.6% | 32.5% |
| 32 | Loandepot.Com, LLC | 7 | 0.6% | — |
| 33 | River Valley AgCredit, ACA | 7 | 0.6% | — |
| 34 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.6% | — |
| 35 | PHH Mortgage Corporation | 7 | 0.6% | — |
| 36 | Coastal Community Bank 35 out of 100, Low | 7 | 0.6% | 3.0% |
| 37 | Truist Bank 63 out of 100, Moderate | 6 | 0.5% | 40.8% |
| 38 | FIRSTTRUST HOME LOANS, INC. | 6 | 0.5% | — |
| 39 | NEW DAY FINANCIAL, LLC | 6 | 0.5% | — |
| 40 | USAA Federal Savings Bank 64 out of 100, Moderate | 5 | 0.5% | 37.2% |
Top 40 of 128 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