Kentucky · HMDA 2025
Mortgage lenders in Lawrence County, KY
80 lenders reported 534 home-loan applications in Lawrence County in 2025. 173 closed as loans ($27.8M), 211 were denied — a 51.7% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 34% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 534
- Loans originated
- 173
- Purchase / refinance
- 103 / 49
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lawrence County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 115 | 21.5% | — |
| 2 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 37 | 6.9% | 74.7% |
| 3 | FirstBank 59 out of 100, Moderate | 30 | 5.6% | 42.8% |
| 4 | Rocket Mortgage, LLC | 27 | 5.1% | — |
| 5 | 21st Mortgage Corporation | 24 | 4.5% | — |
| 6 | City National Bank of West Virginia 78 out of 100, Strong | 24 | 4.5% | 27.3% |
| 7 | TRIAD FINANCIAL SERVICES, INC. | 21 | 3.9% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 3.7% | — |
| 9 | Community Trust Bank, Inc. 80 out of 100, Strong | 18 | 3.4% | 13.9% |
| 10 | Kentucky Farmers Bank Corporation | 17 | 3.2% | — |
| 11 | PENNYMAC LOAN SERVICES, LLC | 15 | 2.8% | — |
| 12 | CITIZENS BANK OF KENTUCKY, INC. 79 out of 100, Strong | 13 | 2.4% | 18.3% |
| 13 | STOCKTON MORTGAGE CORPORATION | 13 | 2.4% | — |
| 14 | Mortgage Research Center, LLC | 12 | 2.2% | — |
| 15 | AmeriSave Mortgage Corporation | 7 | 1.3% | — |
| 16 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 1.3% | 39.5% |
| 17 | MOVEMENT MORTGAGE, LLC | 6 | 1.1% | — |
| 18 | First State Bank | 6 | 1.1% | — |
| 19 | NEWREZ LLC | 5 | 0.9% | — |
| 20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | 0.9% | — |
| 21 | MEMBERS CHOICE | 5 | 0.9% | — |
| 22 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 5 | 0.9% | 7.5% |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 0.7% | 14.1% |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 4 | 0.7% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 4 | 0.7% | — |
| 26 | NEW DAY FINANCIAL, LLC | 4 | 0.7% | — |
| 27 | Peoples Bank 67 out of 100, Moderate | 4 | 0.7% | 24.1% |
| 28 | Truist Bank 63 out of 100, Moderate | 3 | 0.6% | 40.8% |
| 29 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.6% | 44.7% |
| 30 | AMERICAN FINANCING CORPORATION | 3 | 0.6% | — |
| 31 | TAMMAC HOLDINGS CORPORATION | 3 | 0.6% | — |
| 32 | FREEDOM MORTGAGE CORPORATION | 3 | 0.6% | — |
| 33 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 0.6% | — |
| 34 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 0.6% | 34.0% |
| 35 | Coastal Community Bank 35 out of 100, Low | 3 | 0.6% | 3.0% |
| 36 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.4% | 31.6% |
| 37 | First Grayson Bancorp, Inc. 79 out of 100, Strong | 2 | 0.4% | 24.0% |
| 38 | FIGURE LENDING LLC | 2 | 0.4% | — |
| 39 | DESCO | 2 | 0.4% | — |
| 40 | Baxter Credit Union 60 out of 100, Moderate | 2 | 0.4% | 20.2% |
Top 40 of 80 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