Kentucky · HMDA 2025
Mortgage lenders in Hancock County, KY
74 lenders reported 415 home-loan applications in Hancock County in 2025. 206 closed as loans ($33.6M), 74 were denied — a 24.7% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 30% of applications, led by Liberty. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 415
- Loans originated
- 206
- Purchase / refinance
- 110 / 54
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Hancock County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Liberty | 51 | 12.3% | — |
| 2 | Independence Bank of Kentucky | 49 | 11.8% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 24 | 5.8% | — |
| 4 | 21st Mortgage Corporation | 22 | 5.3% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 20 | 4.8% | — |
| 6 | Rocket Mortgage, LLC | 16 | 3.9% | — |
| 7 | PLANET HOME LENDING, LLC | 14 | 3.4% | — |
| 8 | German American Bank 75 out of 100, Strong | 14 | 3.4% | 17.2% |
| 9 | First Financial Bank, National Association 68 out of 100, Moderate | 12 | 2.9% | 28.8% |
| 10 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 2.7% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 10 | 2.4% | 39.5% |
| 12 | Farm Credit Mid-America | 8 | 1.9% | — |
| 13 | FirstBank 59 out of 100, Moderate | 8 | 1.9% | 42.8% |
| 14 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 8 | 1.9% | 74.7% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.4% | 14.1% |
| 16 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.4% | — |
| 17 | PHH Mortgage Corporation | 6 | 1.4% | — |
| 18 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 6 | 1.4% | 7.5% |
| 19 | Mortgage Research Center, LLC | 5 | 1.2% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 1.2% | — |
| 21 | FIGURE LENDING LLC | 5 | 1.2% | — |
| 22 | TAMMAC HOLDINGS CORPORATION | 5 | 1.2% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 5 | 1.2% | — |
| 24 | LOWER, LLC | 5 | 1.2% | — |
| 25 | Fifth Third Bank, National Association 62 out of 100, Moderate | 5 | 1.2% | 34.0% |
| 26 | Broker Solutions, Inc. | 4 | 1.0% | — |
| 27 | SOUTHWEST STAGE FUNDING, LLC | 4 | 1.0% | — |
| 28 | Prosperity Home Mortgage, LLC | 4 | 1.0% | — |
| 29 | EMM LOANS LLC | 4 | 1.0% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.7% | 32.9% |
| 31 | Discover Bank | 3 | 0.7% | — |
| 32 | LEADERONE FINANCIAL CORPORATION | 3 | 0.7% | — |
| 33 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | 0.7% | — |
| 34 | MORTGAGE MASTERS OF INDIANA, INC. | 3 | 0.7% | — |
| 35 | NEW DAY FINANCIAL, LLC | 3 | 0.7% | — |
| 36 | VILLAGE CAPITAL & INVESTMENT LLC | 3 | 0.7% | — |
| 37 | EVERETT FINANCIAL, INC. | 3 | 0.7% | — |
| 38 | Coastal Community Bank 35 out of 100, Low | 3 | 0.7% | 3.0% |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.5% | 32.5% |
| 40 | Fortera Federal Credit Union 78 out of 100, Strong | 2 | 0.5% | 27.6% |
Top 40 of 74 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