Kentucky · HMDA 2025
Mortgage lenders in Harlan County, KY
73 lenders reported 542 home-loan applications in Harlan County in 2025. 166 closed as loans ($19.8M), 191 were denied — a 50.0% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 35% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 542
- Loans originated
- 166
- Purchase / refinance
- 108 / 46
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Harlan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 110 | 20.3% | — |
| 2 | STOCKTON MORTGAGE CORPORATION | 43 | 7.9% | — |
| 3 | Truist Bank 63 out of 100, Moderate | 34 | 6.3% | 40.8% |
| 4 | Hearthside Bank Corporation 68 out of 100, Moderate | 28 | 5.2% | 11.7% |
| 5 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 26 | 4.8% | 74.7% |
| 6 | 21st Mortgage Corporation | 24 | 4.4% | — |
| 7 | Rocket Mortgage, LLC | 22 | 4.1% | — |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 20 | 3.7% | — |
| 9 | Commercial Bank 77 out of 100, Strong | 19 | 3.5% | 7.9% |
| 10 | Mortgage Research Center, LLC | 18 | 3.3% | — |
| 11 | The Monticello Banking Company 71 out of 100, Strong | 18 | 3.3% | 18.6% |
| 12 | FirstBank 59 out of 100, Moderate | 17 | 3.1% | 42.8% |
| 13 | PENNYMAC LOAN SERVICES, LLC | 15 | 2.8% | — |
| 14 | Community Trust Bank, Inc. 80 out of 100, Strong | 9 | 1.7% | 13.9% |
| 15 | Renasant Bank 64 out of 100, Moderate | 7 | 1.3% | 11.6% |
| 16 | COMMONWEALTH | 7 | 1.3% | — |
| 17 | Broker Solutions, Inc. | 6 | 1.1% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 6 | 1.1% | — |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 5 | 0.9% | — |
| 20 | T2 FINANCIAL LLC | 5 | 0.9% | — |
| 21 | NEW DAY FINANCIAL, LLC | 5 | 0.9% | — |
| 22 | VILLAGE CAPITAL & INVESTMENT LLC | 5 | 0.9% | — |
| 23 | Loandepot.Com, LLC | 4 | 0.7% | — |
| 24 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 0.7% | — |
| 25 | Discover Bank | 4 | 0.7% | — |
| 26 | AmeriSave Mortgage Corporation | 4 | 0.7% | — |
| 27 | SOUTHWEST STAGE FUNDING, LLC | 4 | 0.7% | — |
| 28 | PLANET HOME LENDING, LLC | 4 | 0.7% | — |
| 29 | AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | 0.7% | — |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.7% | — |
| 31 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.6% | 32.9% |
| 32 | NEWREZ LLC | 3 | 0.6% | — |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.6% | 33.8% |
| 34 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 0.6% | 39.5% |
| 35 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.6% | — |
| 36 | FIGURE LENDING LLC | 3 | 0.6% | — |
| 37 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 3 | 0.6% | 26.9% |
| 38 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.4% | 44.7% |
| 39 | L & N Federal Credit Union 72 out of 100, Strong | 2 | 0.4% | 8.7% |
| 40 | MORTGAGE INVESTORS GROUP, INC. | 2 | 0.4% | — |
Top 40 of 73 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