Kentucky · HMDA 2025
Mortgage lenders in Madison County, KY
262 lenders reported 4,634 home-loan applications in Madison County in 2025. 2,442 closed as loans ($617.5M), 688 were denied — a 20.9% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 13% of applications, led by ARK-LA-TEX FINANCIAL SERVICES, LLC.. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,634
- Loans originated
- 2,442
- Purchase / refinance
- 1,318 / 687
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Madison County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 201 | 4.3% | — |
| 2 | Rocket Mortgage, LLC | 199 | 4.3% | — |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 197 | 4.3% | 39.5% |
| 4 | PENNYMAC LOAN SERVICES, LLC | 196 | 4.2% | — |
| 5 | T2 FINANCIAL LLC | 186 | 4.0% | — |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 184 | 4.0% | — |
| 7 | UNIVERSITY OF KENTUCKY | 163 | 3.5% | — |
| 8 | Whitaker Bank | 153 | 3.3% | — |
| 9 | COMMONWEALTH | 145 | 3.1% | — |
| 10 | 21st Mortgage Corporation | 123 | 2.7% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 118 | 2.5% | — |
| 12 | Mortgage Research Center, LLC | 116 | 2.5% | — |
| 13 | Fifth Third Bank, National Association 62 out of 100, Moderate | 103 | 2.2% | 34.0% |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 99 | 2.1% | — |
| 15 | Community Trust Bank, Inc. 80 out of 100, Strong | 94 | 2.0% | 13.9% |
| 16 | NEWREZ LLC | 92 | 2.0% | — |
| 17 | Broker Solutions, Inc. | 91 | 2.0% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 88 | 1.9% | 14.1% |
| 19 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 84 | 1.8% | 21.5% |
| 20 | STOCKTON MORTGAGE CORPORATION | 84 | 1.8% | — |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 82 | 1.8% | — |
| 22 | Central Bank & Trust Company 76 out of 100, Strong | 79 | 1.7% | 9.9% |
| 23 | Park Federal Credit Union 63 out of 100, Moderate | 74 | 1.6% | 18.5% |
| 24 | PNC Bank, National Association 62 out of 100, Moderate | 72 | 1.6% | 33.8% |
| 25 | Guardian Savings Bank 83 out of 100, Strong | 57 | 1.2% | 11.5% |
| 26 | PLANET HOME LENDING, LLC | 54 | 1.2% | — |
| 27 | NATIONSTAR MORTGAGE LLC | 54 | 1.2% | — |
| 28 | NEW DAY FINANCIAL, LLC | 41 | 0.9% | — |
| 29 | Ixonia Bank 67 out of 100, Moderate | 38 | 0.8% | 4.7% |
| 30 | Coastal Community Bank 35 out of 100, Low | 38 | 0.8% | 3.0% |
| 31 | Truist Bank 63 out of 100, Moderate | 35 | 0.8% | 40.8% |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 34 | 0.7% | 32.5% |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 34 | 0.7% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 33 | 0.7% | 32.9% |
| 35 | Loandepot.Com, LLC | 29 | 0.6% | — |
| 36 | Cumberland Valley National Bank & Trust Company 69 out of 100, Moderate | 28 | 0.6% | 10.9% |
| 37 | AmeriSave Mortgage Corporation | 27 | 0.6% | — |
| 38 | First Southern National Bank | 27 | 0.6% | — |
| 39 | Luminate Bank 47 out of 100, Below average | 27 | 0.6% | 4.3% |
| 40 | SPRING EQ, LLC | 25 | 0.5% | — |
Top 40 of 262 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
- Daviess County 3,848 apps
- Scott County 3,599 apps
- Oldham County 3,581 apps
- Laurel County 2,745 apps