Kentucky · HMDA 2025
Mortgage lenders in Magoffin County, KY
48 lenders reported 270 home-loan applications in Magoffin County in 2025. 60 closed as loans ($9.3M), 123 were denied — a 63.4% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 48% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 270
- Loans originated
- 60
- Purchase / refinance
- 38 / 16
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Magoffin County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 32.6% | — |
| 2 | 21st Mortgage Corporation | 24 | 8.9% | — |
| 3 | Community Trust Bank, Inc. 80 out of 100, Strong | 18 | 6.7% | 13.9% |
| 4 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 16 | 5.9% | 74.7% |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 13 | 4.8% | — |
| 6 | Peoples Bank 67 out of 100, Moderate | 9 | 3.3% | 24.1% |
| 7 | Rocket Mortgage, LLC | 8 | 3.0% | — |
| 8 | COMMONWEALTH | 7 | 2.6% | — |
| 9 | CITIZENS BANK OF KENTUCKY, INC. 79 out of 100, Strong | 7 | 2.6% | 18.3% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 2.2% | 39.5% |
| 11 | City National Bank of West Virginia 78 out of 100, Strong | 6 | 2.2% | 27.3% |
| 12 | STOCKTON MORTGAGE CORPORATION | 5 | 1.9% | — |
| 13 | AmeriSave Mortgage Corporation | 4 | 1.5% | — |
| 14 | Mortgage Research Center, LLC | 4 | 1.5% | — |
| 15 | REPUBLIC STATE MORTGAGE CO. | 4 | 1.5% | — |
| 16 | PLANET HOME LENDING, LLC | 4 | 1.5% | — |
| 17 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 1.1% | — |
| 18 | First Grayson Bancorp, Inc. 79 out of 100, Strong | 3 | 1.1% | 24.0% |
| 19 | SOUTHWEST STAGE FUNDING, LLC | 3 | 1.1% | — |
| 20 | FirstBank 59 out of 100, Moderate | 3 | 1.1% | 42.8% |
| 21 | CARRINGTON MORTGAGE SERVICES, LLC | 3 | 1.1% | — |
| 22 | Broker Solutions, Inc. | 2 | 0.7% | — |
| 23 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.7% | — |
| 24 | Luminate Bank 47 out of 100, Below average | 2 | 0.7% | 4.3% |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 2 | 0.7% | — |
| 26 | EVERETT FINANCIAL, INC. | 2 | 0.7% | — |
| 27 | NEWREZ LLC | 1 | 0.4% | — |
| 28 | Truist Bank 63 out of 100, Moderate | 1 | 0.4% | 40.8% |
| 29 | Citizens Bank, National Association 54 out of 100, Below average | 1 | 0.4% | 32.5% |
| 30 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 0.4% | 22.2% |
| 31 | PENNYMAC LOAN SERVICES, LLC | 1 | 0.4% | — |
| 32 | Leaders Credit Union 69 out of 100, Moderate | 1 | 0.4% | 18.6% |
| 33 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.4% | — |
| 34 | FAIR WAY LENDING LLC | 1 | 0.4% | — |
| 35 | Paramount Residential Mortgage Group, Inc. | 1 | 0.4% | — |
| 36 | Nations Lending Corporation | 1 | 0.4% | — |
| 37 | The Federal Savings Bank 51 out of 100, Below average | 1 | 0.4% | 19.1% |
| 38 | Whitaker Bank | 1 | 0.4% | — |
| 39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 0.4% | — |
| 40 | Farm Credit Mid-America | 1 | 0.4% | — |
Top 40 of 48 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