Kentucky · HMDA 2025
Mortgage lenders in Henderson County, KY
133 lenders reported 1,766 home-loan applications in Henderson County in 2025. 983 closed as loans ($151.3M), 290 were denied — a 22.0% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 33% of applications, led by Liberty. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,766
- Loans originated
- 983
- Purchase / refinance
- 474 / 331
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Henderson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Liberty | 231 | 13.1% | — |
| 2 | Independence Bank of Kentucky | 190 | 10.8% | — |
| 3 | Fifth Third Bank, National Association 62 out of 100, Moderate | 156 | 8.8% | 34.0% |
| 4 | FIELD & MAIN BANK, INC. | 132 | 7.5% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 81 | 4.6% | — |
| 6 | Old National Bank 59 out of 100, Moderate | 70 | 4.0% | 22.1% |
| 7 | Rocket Mortgage, LLC | 69 | 3.9% | — |
| 8 | Heritage Federal Credit Union 77 out of 100, Strong | 49 | 2.8% | 21.5% |
| 9 | Farmers Bank and Trust Company 74 out of 100, Strong | 35 | 2.0% | 10.5% |
| 10 | FBC MORTGAGE, LLC | 34 | 1.9% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 31 | 1.8% | — |
| 12 | Mortgage Research Center, LLC | 30 | 1.7% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 29 | 1.6% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 28 | 1.6% | 14.1% |
| 15 | TRIAD FINANCIAL SERVICES, INC. | 26 | 1.5% | — |
| 16 | MORTGAGE MASTERS OF INDIANA, INC. | 26 | 1.5% | — |
| 17 | NEWREZ LLC | 25 | 1.4% | — |
| 18 | German American Bank 75 out of 100, Strong | 25 | 1.4% | 17.2% |
| 19 | CHURCHILL MORTGAGE CORPORATION | 24 | 1.4% | — |
| 20 | RUOFF MORTGAGE COMPANY, INC. | 23 | 1.3% | — |
| 21 | VANDERBILT MORTGAGE AND FINANCE, INC. | 22 | 1.2% | — |
| 22 | UNION HOME MORTGAGE CORP. | 21 | 1.2% | — |
| 23 | 21st Mortgage Corporation | 20 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 20 | 1.1% | — |
| 25 | PHH Mortgage Corporation | 17 | 1.0% | — |
| 26 | UNITED SHORE FINANCIAL SERVICES, LLC | 16 | 0.9% | — |
| 27 | FirstBank 59 out of 100, Moderate | 16 | 0.9% | 42.8% |
| 28 | VILLAGE CAPITAL & INVESTMENT LLC | 16 | 0.9% | — |
| 29 | Luminate Bank 47 out of 100, Below average | 15 | 0.8% | 4.3% |
| 30 | PLANET HOME LENDING, LLC | 14 | 0.8% | — |
| 31 | Broker Solutions, Inc. | 13 | 0.7% | — |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 0.7% | 39.5% |
| 33 | NATIONSTAR MORTGAGE LLC | 11 | 0.6% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 9 | 0.5% | 32.9% |
| 35 | INTERLINC MORTGAGE SERVICES, LLC | 9 | 0.5% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.5% | — |
| 37 | Loandepot.Com, LLC | 7 | 0.4% | — |
| 38 | Discover Bank | 7 | 0.4% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.4% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 7 | 0.4% | 3.0% |
Top 40 of 133 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