Kentucky · HMDA 2025
Mortgage lenders in Jackson County, KY
84 lenders reported 386 home-loan applications in Jackson County in 2025. 117 closed as loans ($18.8M), 115 were denied — a 45.3% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 32% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 386
- Loans originated
- 117
- Purchase / refinance
- 74 / 27
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jackson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 70 | 18.1% | — |
| 2 | 21st Mortgage Corporation | 36 | 9.3% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 16 | 4.1% | — |
| 4 | Rocket Mortgage, LLC | 16 | 4.1% | — |
| 5 | FirstBank 59 out of 100, Moderate | 14 | 3.6% | 42.8% |
| 6 | Broker Solutions, Inc. | 12 | 3.1% | — |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 11 | 2.8% | — |
| 8 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 11 | 2.8% | 74.7% |
| 9 | Community Trust Bank, Inc. 80 out of 100, Strong | 10 | 2.6% | 13.9% |
| 10 | T2 FINANCIAL LLC | 10 | 2.6% | — |
| 11 | NEWREZ LLC | 7 | 1.8% | — |
| 12 | Mortgage Research Center, LLC | 7 | 1.8% | — |
| 13 | TAMMAC HOLDINGS CORPORATION | 7 | 1.8% | — |
| 14 | FREEDOM MORTGAGE CORPORATION | 7 | 1.8% | — |
| 15 | L & N Federal Credit Union 72 out of 100, Strong | 7 | 1.8% | 8.7% |
| 16 | PNC Bank, National Association 62 out of 100, Moderate | 6 | 1.6% | 33.8% |
| 17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | 1.6% | — |
| 18 | COMMONWEALTH | 6 | 1.6% | — |
| 19 | EVERETT FINANCIAL, INC. | 6 | 1.6% | — |
| 20 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 1.3% | 32.9% |
| 21 | PLANET HOME LENDING, LLC | 5 | 1.3% | — |
| 22 | Fifth Third Bank, National Association 62 out of 100, Moderate | 5 | 1.3% | 34.0% |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 1.0% | — |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 4 | 1.0% | 39.5% |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 1.0% | — |
| 26 | Whitaker Bank | 4 | 1.0% | — |
| 27 | Farm Credit Mid-America | 4 | 1.0% | — |
| 28 | Forcht Bank, National Association | 4 | 1.0% | — |
| 29 | Discover Bank | 3 | 0.8% | — |
| 30 | AmeriSave Mortgage Corporation | 3 | 0.8% | — |
| 31 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.8% | — |
| 32 | GoPrime Mortgage, Inc. | 3 | 0.8% | — |
| 33 | STOCKTON MORTGAGE CORPORATION | 3 | 0.8% | — |
| 34 | USAA Federal Savings Bank 64 out of 100, Moderate | 3 | 0.8% | 37.2% |
| 35 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.5% | 14.1% |
| 36 | SPRING EQ, LLC | 2 | 0.5% | — |
| 37 | FIGURE LENDING LLC | 2 | 0.5% | — |
| 38 | CSL Financial, LLC | 2 | 0.5% | — |
| 39 | Central Bank & Trust Company 76 out of 100, Strong | 2 | 0.5% | 9.9% |
| 40 | ZILLOW HOME LOANS, LLC | 2 | 0.5% | — |
Top 40 of 84 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