Kentucky · HMDA 2025
Mortgage lenders in Lincoln County, KY
123 lenders reported 977 home-loan applications in Lincoln County in 2025. 465 closed as loans ($70.5M), 210 were denied — a 29.8% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 24% of applications, led by Broker Solutions, Inc.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 977
- Loans originated
- 465
- Purchase / refinance
- 262 / 132
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Lincoln County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Broker Solutions, Inc. | 84 | 8.6% | — |
| 2 | 21st Mortgage Corporation | 78 | 8.0% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 69 | 7.1% | — |
| 4 | Rocket Mortgage, LLC | 50 | 5.1% | — |
| 5 | First Southern National Bank | 44 | 4.5% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 39 | 4.0% | — |
| 7 | Abound Federal Credit Union 81 out of 100, Strong | 32 | 3.3% | 18.6% |
| 8 | Whitaker Bank | 32 | 3.3% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 27 | 2.8% | — |
| 10 | T2 FINANCIAL LLC | 25 | 2.6% | — |
| 11 | COMMONWEALTH | 24 | 2.5% | — |
| 12 | Mortgage Research Center, LLC | 22 | 2.3% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 18 | 1.8% | 14.1% |
| 14 | Community Trust Bank, Inc. 80 out of 100, Strong | 18 | 1.8% | 13.9% |
| 15 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 15 | 1.5% | 74.7% |
| 16 | AMERIHOME MORTGAGE COMPANY, LLC | 14 | 1.4% | — |
| 17 | NEWREZ LLC | 13 | 1.3% | — |
| 18 | PNC Bank, National Association 62 out of 100, Moderate | 13 | 1.3% | 33.8% |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 1.3% | 39.5% |
| 20 | FREEDOM MORTGAGE CORPORATION | 11 | 1.1% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 11 | 1.1% | 3.0% |
| 22 | TRIAD FINANCIAL SERVICES, INC. | 10 | 1.0% | — |
| 23 | PLANET HOME LENDING, LLC | 10 | 1.0% | — |
| 24 | STOCKTON MORTGAGE CORPORATION | 10 | 1.0% | — |
| 25 | CMG MORTGAGE, INC. | 9 | 0.9% | — |
| 26 | Loandepot.Com, LLC | 9 | 0.9% | — |
| 27 | AmeriSave Mortgage Corporation | 9 | 0.9% | — |
| 28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 9 | 0.9% | — |
| 29 | CENTRAL KENTUCKY AGRICULTURAL CREDIT ASSOCIATION | 9 | 0.9% | — |
| 30 | Fifth Third Bank, National Association 62 out of 100, Moderate | 9 | 0.9% | 34.0% |
| 31 | REPUBLIC STATE MORTGAGE CO. | 8 | 0.8% | — |
| 32 | The Monticello Banking Company 71 out of 100, Strong | 8 | 0.8% | 18.6% |
| 33 | FirstBank 59 out of 100, Moderate | 8 | 0.8% | 42.8% |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.7% | 32.9% |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 0.7% | — |
| 36 | The Citizens National Bank of Somerset 75 out of 100, Strong | 7 | 0.7% | 11.3% |
| 37 | SPRING EQ, LLC | 6 | 0.6% | — |
| 38 | L & N Federal Credit Union 72 out of 100, Strong | 6 | 0.6% | 8.7% |
| 39 | NEW DAY FINANCIAL, LLC | 6 | 0.6% | — |
| 40 | UNIVERSITY OF KENTUCKY | 6 | 0.6% | — |
Top 40 of 123 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