Kentucky · HMDA 2025
Mortgage lenders in Grayson County, KY
140 lenders reported 1,170 home-loan applications in Grayson County in 2025. 614 closed as loans ($114.7M), 195 were denied — a 23.1% denial rate on decided applications, close to the Kentucky rate of 23.3%. The three most active lenders handled 27% of applications, led by The Cecilian Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,170
- Loans originated
- 614
- Purchase / refinance
- 305 / 182
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Grayson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Cecilian Bank 77 out of 100, Strong | 163 | 13.9% | 11.4% |
| 2 | Abound Federal Credit Union 81 out of 100, Strong | 86 | 7.4% | 18.6% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 69 | 5.9% | — |
| 4 | Wilson & Muir Bank & Trust Company 76 out of 100, Strong | 64 | 5.5% | 3.3% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 61 | 5.2% | — |
| 6 | 21st Mortgage Corporation | 59 | 5.0% | — |
| 7 | Rocket Mortgage, LLC | 48 | 4.1% | — |
| 8 | Mortgage Research Center, LLC | 28 | 2.4% | — |
| 9 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 21 | 1.8% | 74.7% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 1.7% | — |
| 11 | FirstBank 59 out of 100, Moderate | 18 | 1.5% | 42.8% |
| 12 | AmeriSave Mortgage Corporation | 16 | 1.4% | — |
| 13 | The Sacramento Deposit Bank | 15 | 1.3% | — |
| 14 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 15 | 1.3% | 7.5% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.2% | 14.1% |
| 16 | UNION HOME MORTGAGE CORP. | 14 | 1.2% | — |
| 17 | Northpointe Bank 58 out of 100, Moderate | 14 | 1.2% | 10.4% |
| 18 | EVERETT FINANCIAL, INC. | 14 | 1.2% | — |
| 19 | PLANET HOME LENDING, LLC | 13 | 1.1% | — |
| 20 | PNC Bank, National Association 62 out of 100, Moderate | 12 | 1.0% | 33.8% |
| 21 | SPRING EQ, LLC | 12 | 1.0% | — |
| 22 | PREMIER LENDING, INC. | 12 | 1.0% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 12 | 1.0% | — |
| 24 | West Point Bank 57 out of 100, Moderate | 11 | 0.9% | 8.9% |
| 25 | FIGURE LENDING LLC | 10 | 0.9% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.8% | 32.9% |
| 27 | NEWREZ LLC | 9 | 0.8% | — |
| 28 | Citizens Bank, National Association 54 out of 100, Below average | 9 | 0.8% | 32.5% |
| 29 | Broker Solutions, Inc. | 9 | 0.8% | — |
| 30 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 0.8% | 39.5% |
| 31 | SOUTHWEST STAGE FUNDING, LLC | 9 | 0.8% | — |
| 32 | NATIONSTAR MORTGAGE LLC | 9 | 0.8% | — |
| 33 | German American Bank 75 out of 100, Strong | 9 | 0.8% | 17.2% |
| 34 | TRIAD FINANCIAL SERVICES, INC. | 8 | 0.7% | — |
| 35 | STOCKTON MORTGAGE CORPORATION | 8 | 0.7% | — |
| 36 | Magnolia Bank, Incorporated 49 out of 100, Below average | 8 | 0.7% | 10.3% |
| 37 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 7 | 0.6% | 21.5% |
| 38 | Liberty | 7 | 0.6% | — |
| 39 | Discover Bank | 6 | 0.5% | — |
| 40 | RUOFF MORTGAGE COMPANY, INC. | 6 | 0.5% | — |
Top 40 of 140 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