Kentucky · HMDA 2025
Mortgage lenders in McCracken County, KY
174 lenders reported 2,493 home-loan applications in McCracken County in 2025. 1,354 closed as loans ($279.2M), 401 were denied — a 21.8% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 20% of applications, led by The Paducah Bank and Trust Company. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,493
- Loans originated
- 1,354
- Purchase / refinance
- 806 / 350
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McCracken County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Paducah Bank and Trust Company 79 out of 100, Strong | 205 | 8.2% | 7.9% |
| 2 | Regions Bank 64 out of 100, Moderate | 142 | 5.7% | 43.1% |
| 3 | U.S. Bank National Association 55 out of 100, Moderate | 140 | 5.6% | 39.5% |
| 4 | Rocket Mortgage, LLC | 136 | 5.5% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 124 | 5.0% | — |
| 6 | Independence Bank of Kentucky | 123 | 4.9% | — |
| 7 | GERSHMAN INVESTMENT CORP. | 107 | 4.3% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 101 | 4.1% | — |
| 9 | Mortgage Research Center, LLC | 85 | 3.4% | — |
| 10 | Citizens Bank, National Association 54 out of 100, Below average | 73 | 2.9% | 32.5% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 60 | 2.4% | — |
| 12 | EVERETT FINANCIAL, INC. | 57 | 2.3% | — |
| 13 | FNB Bank, Inc. | 51 | 2.0% | — |
| 14 | STOCKTON MORTGAGE CORPORATION | 50 | 2.0% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 47 | 1.9% | — |
| 16 | 21st Mortgage Corporation | 44 | 1.8% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 36 | 1.4% | 3.0% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 34 | 1.4% | — |
| 19 | PLANET HOME LENDING, LLC | 34 | 1.4% | — |
| 20 | Truist Bank 63 out of 100, Moderate | 33 | 1.3% | 40.8% |
| 21 | NATIONSTAR MORTGAGE LLC | 32 | 1.3% | — |
| 22 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 31 | 1.2% | 14.1% |
| 23 | NEWREZ LLC | 29 | 1.2% | — |
| 24 | Old National Bank 59 out of 100, Moderate | 28 | 1.1% | 22.1% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 24 | 1.0% | 32.9% |
| 26 | Citizens Deposit Bank of Arlington Inc | 24 | 1.0% | — |
| 27 | AmeriSave Mortgage Corporation | 23 | 0.9% | — |
| 28 | Banterra Bank 66 out of 100, Moderate | 23 | 0.9% | 16.1% |
| 29 | Broker Solutions, Inc. | 21 | 0.8% | — |
| 30 | FIRSTTRUST HOME LOANS, INC. | 21 | 0.8% | — |
| 31 | Magnolia Bank, Incorporated 49 out of 100, Below average | 19 | 0.8% | 10.3% |
| 32 | First Community Bank of the Heartland, Inc 56 out of 100, Moderate | 18 | 0.7% | 12.5% |
| 33 | VILLAGE CAPITAL & INVESTMENT LLC | 18 | 0.7% | — |
| 34 | TAMMAC HOLDINGS CORPORATION | 17 | 0.7% | — |
| 35 | Park Lane Finance Solutions, LLC | 17 | 0.7% | — |
| 36 | Loandepot.Com, LLC | 16 | 0.6% | — |
| 37 | Renasant Bank 64 out of 100, Moderate | 16 | 0.6% | 11.6% |
| 38 | NEW DAY FINANCIAL, LLC | 16 | 0.6% | — |
| 39 | FIGURE LENDING LLC | 15 | 0.6% | — |
| 40 | GUILD MORTGAGE COMPANY | 14 | 0.6% | — |
Top 40 of 174 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