Kentucky · HMDA 2025
Mortgage lenders in Jefferson County, KY
462 lenders reported 34,355 home-loan applications in Jefferson County in 2025. 19,415 closed as loans ($5.5B), 4,871 were denied — a 19.4% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by UNITED SHORE FINANCIAL SERVICES, LLC. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 34,355
- Loans originated
- 19,415
- Purchase / refinance
- 10,659 / 5,125
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jefferson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | UNITED SHORE FINANCIAL SERVICES, LLC | 2,326 | 6.8% | — |
| 2 | PNC Bank, National Association 62 out of 100, Moderate | 1,667 | 4.9% | 33.8% |
| 3 | Rocket Mortgage, LLC | 1,539 | 4.5% | — |
| 4 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 1,460 | 4.2% | 21.5% |
| 5 | Fifth Third Bank, National Association 62 out of 100, Moderate | 1,439 | 4.2% | 34.0% |
| 6 | Republic Bank & Trust Company 84 out of 100, Strong | 1,176 | 3.4% | 12.6% |
| 7 | First Financial Bank 68 out of 100, Moderate | 1,076 | 3.1% | 24.9% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 1,067 | 3.1% | — |
| 9 | Northpointe Bank 58 out of 100, Moderate | 1,064 | 3.1% | 10.4% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 1,004 | 2.9% | 39.5% |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 857 | 2.5% | 14.1% |
| 12 | L & N Federal Credit Union 72 out of 100, Strong | 794 | 2.3% | 8.7% |
| 13 | FREEDOM MORTGAGE CORPORATION | 640 | 1.9% | — |
| 14 | Truist Bank 63 out of 100, Moderate | 601 | 1.7% | 40.8% |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 468 | 1.4% | — |
| 16 | Fairway Independent Mortgage Corporation | 458 | 1.3% | — |
| 17 | NEWREZ LLC | 449 | 1.3% | — |
| 18 | COMMONWEALTH | 425 | 1.2% | — |
| 19 | Park Federal Credit Union 63 out of 100, Moderate | 416 | 1.2% | 18.5% |
| 20 | VANDERBILT MORTGAGE AND FINANCE, INC. | 352 | 1.0% | — |
| 21 | THE LOAN STORE, INC. | 342 | 1.0% | — |
| 22 | Mortgage Research Center, LLC | 331 | 1.0% | — |
| 23 | INTERLINC MORTGAGE SERVICES, LLC | 321 | 0.9% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 321 | 0.9% | — |
| 25 | AmeriSave Mortgage Corporation | 318 | 0.9% | — |
| 26 | STOCKTON MORTGAGE CORPORATION | 316 | 0.9% | — |
| 27 | Broker Solutions, Inc. | 315 | 0.9% | — |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 308 | 0.9% | — |
| 29 | River City Bank, Inc. 74 out of 100, Strong | 280 | 0.8% | 12.4% |
| 30 | Coastal Community Bank 35 out of 100, Low | 274 | 0.8% | 3.0% |
| 31 | Liberty | 256 | 0.7% | — |
| 32 | UNIVERSITY OF KENTUCKY | 245 | 0.7% | — |
| 33 | Magnolia Bank, Incorporated 49 out of 100, Below average | 223 | 0.6% | 10.3% |
| 34 | PLANET HOME LENDING, LLC | 222 | 0.6% | — |
| 35 | Bank of America, National Association 59 out of 100, Moderate | 219 | 0.6% | 44.7% |
| 36 | PROVIDENT FUNDING ASSOCIATES, L.P. | 219 | 0.6% | — |
| 37 | German American Bank 75 out of 100, Strong | 218 | 0.6% | 17.2% |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 215 | 0.6% | 32.9% |
| 39 | KIND LENDING, LLC | 209 | 0.6% | — |
| 40 | Abound Federal Credit Union 81 out of 100, Strong | 203 | 0.6% | 18.6% |
Top 40 of 462 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Kentucky
- 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
- Laurel County 2,745 apps