Kentucky · HMDA 2025
Mortgage lenders in Letcher County, KY
50 lenders reported 352 home-loan applications in Letcher County in 2025. 134 closed as loans ($15.6M), 113 were denied — a 43.8% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 50% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 352
- Loans originated
- 134
- Purchase / refinance
- 79 / 30
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Letcher County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 81 | 23.0% | — |
| 2 | Community Trust Bank, Inc. 80 out of 100, Strong | 72 | 20.5% | 13.9% |
| 3 | 21st Mortgage Corporation | 22 | 6.3% | — |
| 4 | Rocket Mortgage, LLC | 21 | 6.0% | — |
| 5 | Whitaker Bank | 15 | 4.3% | — |
| 6 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 13 | 3.7% | 74.7% |
| 7 | STOCKTON MORTGAGE CORPORATION | 10 | 2.8% | — |
| 8 | TRIAD FINANCIAL SERVICES, INC. | 9 | 2.6% | — |
| 9 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 2.6% | 39.5% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 7 | 2.0% | — |
| 11 | FirstBank 59 out of 100, Moderate | 7 | 2.0% | 42.8% |
| 12 | Mortgage Research Center, LLC | 6 | 1.7% | — |
| 13 | Broker Solutions, Inc. | 5 | 1.4% | — |
| 14 | GoPrime Mortgage, Inc. | 5 | 1.4% | — |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 1.1% | — |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | 1.1% | — |
| 17 | SOUTHWEST STAGE FUNDING, LLC | 4 | 1.1% | — |
| 18 | PLANET HOME LENDING, LLC | 4 | 1.1% | — |
| 19 | COMMONWEALTH | 4 | 1.1% | — |
| 20 | NEWREZ LLC | 3 | 0.9% | — |
| 21 | AmeriSave Mortgage Corporation | 3 | 0.9% | — |
| 22 | ZILLOW HOME LOANS, LLC | 3 | 0.9% | — |
| 23 | KIND LENDING, LLC | 3 | 0.9% | — |
| 24 | EASTMAN CREDIT UNION 91 out of 100, Very strong | 3 | 0.9% | 26.9% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.6% | 32.9% |
| 26 | Loandepot.Com, LLC | 2 | 0.6% | — |
| 27 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 2 | 0.6% | 21.5% |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.6% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 2 | 0.6% | — |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 2 | 0.6% | — |
| 31 | ROYAL UNITED MORTGAGE LLC | 2 | 0.6% | — |
| 32 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 0.6% | — |
| 33 | PHH Mortgage Corporation | 2 | 0.6% | — |
| 34 | Truist Bank 63 out of 100, Moderate | 1 | 0.3% | 40.8% |
| 35 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.3% | 32.5% |
| 36 | Discover Bank | 1 | 0.3% | — |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.3% | 44.7% |
| 38 | Abound Federal Credit Union 81 out of 100, Strong | 1 | 0.3% | 18.6% |
| 39 | CSL Financial, LLC | 1 | 0.3% | — |
| 40 | Renasant Bank 64 out of 100, Moderate | 1 | 0.3% | 11.6% |
Top 40 of 50 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