Kentucky · HMDA 2025
Mortgage lenders in Livingston County, KY
74 lenders reported 306 home-loan applications in Livingston County in 2025. 158 closed as loans ($26.1M), 60 were denied — a 25.4% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 22% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 306
- Loans originated
- 158
- Purchase / refinance
- 84 / 41
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Livingston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 34 | 11.1% | — |
| 2 | Rocket Mortgage, LLC | 18 | 5.9% | — |
| 3 | Regions Bank 64 out of 100, Moderate | 16 | 5.2% | 43.1% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 14 | 4.6% | — |
| 5 | Mortgage Research Center, LLC | 12 | 3.9% | — |
| 6 | 21st Mortgage Corporation | 11 | 3.6% | — |
| 7 | Farmers Bank and Trust Company 74 out of 100, Strong | 11 | 3.6% | 10.5% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 3.3% | — |
| 9 | The Paducah Bank and Trust Company 79 out of 100, Strong | 10 | 3.3% | 7.9% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 2.9% | 39.5% |
| 11 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 8 | 2.6% | 74.7% |
| 12 | Independence Bank of Kentucky | 7 | 2.3% | — |
| 13 | TAMMAC HOLDINGS CORPORATION | 7 | 2.3% | — |
| 14 | GERSHMAN INVESTMENT CORP. | 7 | 2.3% | — |
| 15 | EVERETT FINANCIAL, INC. | 7 | 2.3% | — |
| 16 | Cornerstone First Mortgage, Inc | 6 | 2.0% | — |
| 17 | Fifth Third Bank, National Association 62 out of 100, Moderate | 5 | 1.6% | 34.0% |
| 18 | Coastal Community Bank 35 out of 100, Low | 5 | 1.6% | 3.0% |
| 19 | Truist Bank 63 out of 100, Moderate | 4 | 1.3% | 40.8% |
| 20 | Loandepot.Com, LLC | 4 | 1.3% | — |
| 21 | VILLAGE CAPITAL & INVESTMENT LLC | 4 | 1.3% | — |
| 22 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 1.0% | 32.9% |
| 23 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 1.0% | 32.5% |
| 24 | Broker Solutions, Inc. | 3 | 1.0% | — |
| 25 | Discover Bank | 3 | 1.0% | — |
| 26 | AmeriSave Mortgage Corporation | 3 | 1.0% | — |
| 27 | First Community Bank of the Heartland, Inc 56 out of 100, Moderate | 3 | 1.0% | 12.5% |
| 28 | FIGURE LENDING LLC | 3 | 1.0% | — |
| 29 | SOUTHWEST STAGE FUNDING, LLC | 3 | 1.0% | — |
| 30 | PLANET HOME LENDING, LLC | 3 | 1.0% | — |
| 31 | First Kentucky Bank 73 out of 100, Strong | 3 | 1.0% | 15.9% |
| 32 | First Financial Bank, National Association 68 out of 100, Moderate | 3 | 1.0% | 28.8% |
| 33 | NATIONSTAR MORTGAGE LLC | 3 | 1.0% | — |
| 34 | FREEDOM MORTGAGE CORPORATION | 3 | 1.0% | — |
| 35 | First United Bank and Trust Company 74 out of 100, Strong | 3 | 1.0% | 4.8% |
| 36 | FNB Bank, Inc. | 3 | 1.0% | — |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.7% | — |
| 38 | Synergy One Lending, Inc. | 2 | 0.7% | — |
| 39 | FIRSTTRUST HOME LOANS, INC. | 2 | 0.7% | — |
| 40 | Paramount Residential Mortgage Group, Inc. | 2 | 0.7% | — |
Top 40 of 74 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