Kentucky · HMDA 2025
Mortgage lenders in Johnson County, KY
104 lenders reported 725 home-loan applications in Johnson County in 2025. 287 closed as loans ($43.2M), 208 were denied — a 39.5% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 26% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 725
- Loans originated
- 287
- Purchase / refinance
- 171 / 71
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Johnson County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 91 | 12.6% | — |
| 2 | Community Trust Bank, Inc. 80 out of 100, Strong | 52 | 7.2% | 13.9% |
| 3 | City National Bank of West Virginia 78 out of 100, Strong | 48 | 6.6% | 27.3% |
| 4 | STOCKTON MORTGAGE CORPORATION | 41 | 5.7% | — |
| 5 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 32 | 4.4% | 74.7% |
| 6 | Rocket Mortgage, LLC | 29 | 4.0% | — |
| 7 | Mortgage Research Center, LLC | 22 | 3.0% | — |
| 8 | Peoples Bank 67 out of 100, Moderate | 22 | 3.0% | 24.1% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 21 | 2.9% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 20 | 2.8% | — |
| 11 | CITIZENS BANK OF KENTUCKY, INC. 79 out of 100, Strong | 20 | 2.8% | 18.3% |
| 12 | FirstBank 59 out of 100, Moderate | 20 | 2.8% | 42.8% |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 2.3% | 39.5% |
| 14 | REPUBLIC STATE MORTGAGE CO. | 17 | 2.3% | — |
| 15 | 21st Mortgage Corporation | 16 | 2.2% | — |
| 16 | TRIAD FINANCIAL SERVICES, INC. | 16 | 2.2% | — |
| 17 | Truist Bank 63 out of 100, Moderate | 15 | 2.1% | 40.8% |
| 18 | COMMONWEALTH | 12 | 1.7% | — |
| 19 | Broker Solutions, Inc. | 10 | 1.4% | — |
| 20 | NEWREZ LLC | 8 | 1.1% | — |
| 21 | Equity Prime Mortgage LLC | 8 | 1.1% | — |
| 22 | CARRINGTON MORTGAGE SERVICES, LLC | 8 | 1.1% | — |
| 23 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 1.0% | — |
| 24 | LAKEVIEW LOAN SERVICING, LLC | 7 | 1.0% | — |
| 25 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.8% | 14.1% |
| 26 | Discover Bank | 6 | 0.8% | — |
| 27 | PLANET HOME LENDING, LLC | 6 | 0.8% | — |
| 28 | GoPrime Mortgage, Inc. | 6 | 0.8% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 0.8% | — |
| 30 | Fifth Third Bank, National Association 62 out of 100, Moderate | 6 | 0.8% | 34.0% |
| 31 | SPRING EQ, LLC | 5 | 0.7% | — |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 5 | 0.7% | — |
| 33 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.7% | — |
| 34 | NEW DAY FINANCIAL, LLC | 5 | 0.7% | — |
| 35 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 5 | 0.7% | 7.5% |
| 36 | Loandepot.Com, LLC | 4 | 0.6% | — |
| 37 | AmeriSave Mortgage Corporation | 4 | 0.6% | — |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 4 | 0.6% | — |
| 39 | CONSUMER REAL ESTATE FINANCE CO. | 4 | 0.6% | — |
| 40 | The Huntington National Bank 59 out of 100, Moderate | 3 | 0.4% | 31.6% |
Top 40 of 104 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