Kentucky · HMDA 2025
Mortgage lenders in Laurel County, KY
160 lenders reported 2,745 home-loan applications in Laurel County in 2025. 1,050 closed as loans ($190.7M), 743 were denied — a 39.0% 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.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,745
- Loans originated
- 1,050
- Purchase / refinance
- 567 / 297
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Laurel County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 522 | 19.0% | — |
| 2 | L & N Federal Credit Union 72 out of 100, Strong | 191 | 7.0% | 8.7% |
| 3 | 21st Mortgage Corporation | 172 | 6.3% | — |
| 4 | Community Trust Bank, Inc. 80 out of 100, Strong | 129 | 4.7% | 13.9% |
| 5 | Rocket Mortgage, LLC | 115 | 4.2% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 103 | 3.8% | — |
| 7 | POLARIS HOME FUNDING CORP. | 77 | 2.8% | — |
| 8 | FirstBank 59 out of 100, Moderate | 76 | 2.8% | 42.8% |
| 9 | PNC Bank, National Association 62 out of 100, Moderate | 72 | 2.6% | 33.8% |
| 10 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 67 | 2.4% | 74.7% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 2.0% | — |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 55 | 2.0% | — |
| 13 | Zippy Loans, LLC | 55 | 2.0% | — |
| 14 | Mortgage Research Center, LLC | 50 | 1.8% | — |
| 15 | TRIAD FINANCIAL SERVICES, INC. | 43 | 1.6% | — |
| 16 | Broker Solutions, Inc. | 41 | 1.5% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 37 | 1.3% | — |
| 18 | PIKE CREEK MORTGAGE SERVICES, INC. | 34 | 1.2% | — |
| 19 | Cumberland Valley National Bank & Trust Company 69 out of 100, Moderate | 32 | 1.2% | 10.9% |
| 20 | PLANET HOME LENDING, LLC | 30 | 1.1% | — |
| 21 | Forcht Bank, National Association | 27 | 1.0% | — |
| 22 | Equity Prime Mortgage LLC | 26 | 0.9% | — |
| 23 | NEWREZ LLC | 25 | 0.9% | — |
| 24 | Truist Bank 63 out of 100, Moderate | 25 | 0.9% | 40.8% |
| 25 | AMERIHOME MORTGAGE COMPANY, LLC | 25 | 0.9% | — |
| 26 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 24 | 0.9% | 14.1% |
| 27 | NATIONSTAR MORTGAGE LLC | 22 | 0.8% | — |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 22 | 0.8% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 22 | 0.8% | 3.0% |
| 30 | EVERETT FINANCIAL, INC. | 21 | 0.8% | — |
| 31 | AmeriSave Mortgage Corporation | 19 | 0.7% | — |
| 32 | TAMMAC HOLDINGS CORPORATION | 19 | 0.7% | — |
| 33 | Magnolia Bank, Incorporated 49 out of 100, Below average | 19 | 0.7% | 10.3% |
| 34 | FIGURE LENDING LLC | 15 | 0.5% | — |
| 35 | The Monticello Banking Company 71 out of 100, Strong | 15 | 0.5% | 18.6% |
| 36 | Loandepot.Com, LLC | 14 | 0.5% | — |
| 37 | U.S. Bank National Association 55 out of 100, Moderate | 14 | 0.5% | 39.5% |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 14 | 0.5% | — |
| 39 | COMMONWEALTH | 14 | 0.5% | — |
| 40 | SOUTHWEST STAGE FUNDING, LLC | 13 | 0.5% | — |
Top 40 of 160 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