Kentucky · HMDA 2025
Mortgage lenders in Kenton County, KY
306 lenders reported 9,206 home-loan applications in Kenton County in 2025. 5,218 closed as loans ($1.3B), 1,283 were denied — a 19.0% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by Fifth Third Bank, National Association. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 9,206
- Loans originated
- 5,218
- Purchase / refinance
- 2,566 / 1,558
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Kenton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Fifth Third Bank, National Association 62 out of 100, Moderate | 559 | 6.1% | 34.0% |
| 2 | The Huntington National Bank 59 out of 100, Moderate | 513 | 5.6% | 31.6% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 418 | 4.5% | 39.5% |
| 4 | Guardian Savings Bank 83 out of 100, Strong | 395 | 4.3% | 11.5% |
| 5 | PENNYMAC LOAN SERVICES, LLC | 345 | 3.7% | — |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 341 | 3.7% | — |
| 7 | Rocket Mortgage, LLC | 301 | 3.3% | — |
| 8 | VICTORY MORTGAGE, L.L.C. | 295 | 3.2% | — |
| 9 | STOCKTON MORTGAGE CORPORATION | 234 | 2.5% | — |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 232 | 2.5% | — |
| 11 | UNION HOME MORTGAGE CORP. | 232 | 2.5% | — |
| 12 | Truist Bank 63 out of 100, Moderate | 202 | 2.2% | 40.8% |
| 13 | PNC Bank, National Association 62 out of 100, Moderate | 180 | 2.0% | 33.8% |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 173 | 1.9% | 14.1% |
| 15 | FIRST EQUITY MORTGAGE INCORPORATED | 146 | 1.6% | — |
| 16 | NEWREZ LLC | 133 | 1.4% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 129 | 1.4% | — |
| 18 | GUARANTEED RATE, INC. | 125 | 1.4% | — |
| 19 | AMERIHOME MORTGAGE COMPANY, LLC | 111 | 1.2% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 111 | 1.2% | — |
| 21 | SUCCESS MORTGAGE PARTNERS, INC. | 111 | 1.2% | — |
| 22 | Heritage Bank, Inc. | 108 | 1.2% | — |
| 23 | First Financial Bank 68 out of 100, Moderate | 101 | 1.1% | 24.9% |
| 24 | Mortgage Research Center, LLC | 99 | 1.1% | — |
| 25 | CINFED Federal Credit Union 72 out of 100, Strong | 98 | 1.1% | 14.6% |
| 26 | PLANET HOME LENDING, LLC | 97 | 1.1% | — |
| 27 | German American Bank 75 out of 100, Strong | 96 | 1.0% | 17.2% |
| 28 | Citizens Bank, National Association 54 out of 100, Below average | 94 | 1.0% | 32.5% |
| 29 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 91 | 1.0% | 35.5% |
| 30 | NFM, INC. | 82 | 0.9% | — |
| 31 | Coastal Community Bank 35 out of 100, Low | 81 | 0.9% | 3.0% |
| 32 | Republic Bank & Trust Company 84 out of 100, Strong | 81 | 0.9% | 12.6% |
| 33 | Kiavi Funding, Inc. | 75 | 0.8% | — |
| 34 | GENERAL ELECTRIC CREDIT UNION 54 out of 100, Below average | 73 | 0.8% | 13.4% |
| 35 | 21st Mortgage Corporation | 72 | 0.8% | — |
| 36 | L & N Federal Credit Union 72 out of 100, Strong | 70 | 0.8% | 8.7% |
| 37 | AmeriSave Mortgage Corporation | 69 | 0.7% | — |
| 38 | Union Savings Bank 74 out of 100, Strong | 69 | 0.7% | 5.3% |
| 39 | Prosperity Home Mortgage, LLC | 68 | 0.7% | — |
| 40 | VANDERBILT MORTGAGE AND FINANCE, INC. | 59 | 0.6% | — |
Top 40 of 306 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
- 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