Kentucky · HMDA 2025
Mortgage lenders in Henry County, KY
124 lenders reported 774 home-loan applications in Henry County in 2025. 380 closed as loans ($75.7M), 157 were denied — a 28.0% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 13% of applications, led by United Citizens Bank & Trust Company. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 774
- Loans originated
- 380
- Purchase / refinance
- 183 / 126
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Henry County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | United Citizens Bank & Trust Company 56 out of 100, Moderate | 38 | 4.9% | 12.5% |
| 2 | Rocket Mortgage, LLC | 33 | 4.3% | — |
| 3 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 33 | 4.3% | 21.5% |
| 4 | COMMONWEALTH | 33 | 4.3% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 31 | 4.0% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 30 | 3.9% | — |
| 7 | DHI MORTGAGE COMPANY, LTD. | 29 | 3.7% | — |
| 8 | Peoples Bank 67 out of 100, Moderate | 29 | 3.7% | 24.1% |
| 9 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 28 | 3.6% | — |
| 10 | Fifth Third Bank, National Association 62 out of 100, Moderate | 25 | 3.2% | 34.0% |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 24 | 3.1% | 33.8% |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 20 | 2.6% | — |
| 13 | German American Bank 75 out of 100, Strong | 19 | 2.5% | 17.2% |
| 14 | Northpointe Bank 58 out of 100, Moderate | 17 | 2.2% | 10.4% |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 16 | 2.1% | 14.1% |
| 16 | Bedford Loan & Deposit Bank | 16 | 2.1% | — |
| 17 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 1.8% | 39.5% |
| 18 | NEWREZ LLC | 12 | 1.6% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 12 | 1.6% | — |
| 20 | L & N Federal Credit Union 72 out of 100, Strong | 12 | 1.6% | 8.7% |
| 21 | Broker Solutions, Inc. | 10 | 1.3% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 1.2% | — |
| 23 | VILLAGE CAPITAL & INVESTMENT LLC | 9 | 1.2% | — |
| 24 | AmeriSave Mortgage Corporation | 8 | 1.0% | — |
| 25 | Liberty | 8 | 1.0% | — |
| 26 | Farm Credit Mid-America | 8 | 1.0% | — |
| 27 | Truist Bank 63 out of 100, Moderate | 7 | 0.9% | 40.8% |
| 28 | Mortgage Research Center, LLC | 7 | 0.9% | — |
| 29 | STOCKTON MORTGAGE CORPORATION | 7 | 0.9% | — |
| 30 | Loandepot.Com, LLC | 6 | 0.8% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 6 | 0.8% | — |
| 32 | Traditional Bank, Inc. 73 out of 100, Strong | 6 | 0.8% | 10.6% |
| 33 | NATIONSTAR MORTGAGE LLC | 6 | 0.8% | — |
| 34 | ENVOY MORTGAGE, LTD | 6 | 0.8% | — |
| 35 | KIND LENDING, LLC | 6 | 0.8% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.8% | — |
| 37 | LOWER, LLC | 6 | 0.8% | — |
| 38 | Coastal Community Bank 35 out of 100, Low | 6 | 0.8% | 3.0% |
| 39 | PLANET HOME LENDING, LLC | 5 | 0.6% | — |
| 40 | Equity Prime Mortgage LLC | 5 | 0.6% | — |
Top 40 of 124 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