Kentucky · HMDA 2025
Mortgage lenders in Hart County, KY
99 lenders reported 845 home-loan applications in Hart County in 2025. 494 closed as loans ($74.5M), 146 were denied — a 21.9% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 29% of applications, led by The Cecilian Bank. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 845
- Loans originated
- 494
- Purchase / refinance
- 207 / 171
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Hart County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Cecilian Bank 77 out of 100, Strong | 124 | 14.7% | 11.4% |
| 2 | German American Bank 75 out of 100, Strong | 71 | 8.4% | 17.2% |
| 3 | Peoples Bank 67 out of 100, Moderate | 54 | 6.4% | 24.1% |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 52 | 6.2% | — |
| 5 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 43 | 5.1% | 7.5% |
| 6 | Farm Credit Mid-America | 36 | 4.3% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 29 | 3.4% | — |
| 8 | Abound Federal Credit Union 81 out of 100, Strong | 28 | 3.3% | 18.6% |
| 9 | Rocket Mortgage, LLC | 24 | 2.8% | — |
| 10 | Edmonton State Bank 82 out of 100, Strong | 24 | 2.8% | 15.9% |
| 11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 18 | 2.1% | — |
| 12 | The Lincoln National Bank of Hodgenville 86 out of 100, Very strong | 17 | 2.0% | 6.8% |
| 13 | Mortgage Research Center, LLC | 15 | 1.8% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 14 | 1.7% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 1.5% | — |
| 16 | STOCKTON MORTGAGE CORPORATION | 12 | 1.4% | — |
| 17 | 21st Mortgage Corporation | 10 | 1.2% | — |
| 18 | NEWREZ LLC | 10 | 1.2% | — |
| 19 | West Point Bank 57 out of 100, Moderate | 10 | 1.2% | 8.9% |
| 20 | Magnolia Bank, Incorporated 49 out of 100, Below average | 10 | 1.2% | 10.3% |
| 21 | PLANET HOME LENDING, LLC | 9 | 1.1% | — |
| 22 | Liberty | 9 | 1.1% | — |
| 23 | CARRINGTON MORTGAGE SERVICES, LLC | 9 | 1.1% | — |
| 24 | EVERETT FINANCIAL, INC. | 9 | 1.1% | — |
| 25 | U.S. Bank National Association 55 out of 100, Moderate | 8 | 0.9% | 39.5% |
| 26 | Bank of Buffalo | 8 | 0.9% | — |
| 27 | AmeriSave Mortgage Corporation | 7 | 0.8% | — |
| 28 | UNION HOME MORTGAGE CORP. | 7 | 0.8% | — |
| 29 | CMG MORTGAGE, INC. | 6 | 0.7% | — |
| 30 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.7% | 14.1% |
| 31 | Broker Solutions, Inc. | 6 | 0.7% | — |
| 32 | PREMIER LENDING, INC. | 6 | 0.7% | — |
| 33 | SOUTHWEST STAGE FUNDING, LLC | 6 | 0.7% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.6% | 32.9% |
| 35 | Community Trust Bank, Inc. 80 out of 100, Strong | 5 | 0.6% | 13.9% |
| 36 | WesBanco Bank, Inc. 66 out of 100, Moderate | 5 | 0.6% | 20.1% |
| 37 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.5% | 32.5% |
| 38 | Loandepot.Com, LLC | 4 | 0.5% | — |
| 39 | Discover Bank | 4 | 0.5% | — |
| 40 | LEADERONE FINANCIAL CORPORATION | 4 | 0.5% | — |
Top 40 of 99 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