Kentucky · HMDA 2025
Mortgage lenders in McCreary County, KY
86 lenders reported 555 home-loan applications in McCreary County in 2025. 244 closed as loans ($30.3M), 140 were denied — a 34.9% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 38% of applications, led by United Cumberland Bank. 8 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 555
- Loans originated
- 244
- Purchase / refinance
- 135 / 92
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McCreary County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | United Cumberland Bank 71 out of 100, Strong | 107 | 19.3% | 12.7% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 63 | 11.4% | — |
| 3 | Broker Solutions, Inc. | 39 | 7.0% | — |
| 4 | 21st Mortgage Corporation | 30 | 5.4% | — |
| 5 | Rocket Mortgage, LLC | 29 | 5.2% | — |
| 6 | Mortgage Research Center, LLC | 22 | 4.0% | — |
| 7 | FirstBank 59 out of 100, Moderate | 17 | 3.1% | 42.8% |
| 8 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 17 | 3.1% | 74.7% |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 14 | 2.5% | — |
| 10 | The Citizens National Bank of Somerset 75 out of 100, Strong | 11 | 2.0% | 11.3% |
| 11 | Forcht Bank, National Association | 11 | 2.0% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 1.8% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 9 | 1.6% | — |
| 14 | Community Trust Bank, Inc. 80 out of 100, Strong | 9 | 1.6% | 13.9% |
| 15 | L & N Federal Credit Union 72 out of 100, Strong | 9 | 1.6% | 8.7% |
| 16 | NEWREZ LLC | 8 | 1.4% | — |
| 17 | AmeriSave Mortgage Corporation | 8 | 1.4% | — |
| 18 | PLANET HOME LENDING, LLC | 7 | 1.3% | — |
| 19 | STOCKTON MORTGAGE CORPORATION | 7 | 1.3% | — |
| 20 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 1.1% | — |
| 21 | Loandepot.Com, LLC | 5 | 0.9% | — |
| 22 | The First National Bank of Oneida | 5 | 0.9% | — |
| 23 | FREEDOM MORTGAGE CORPORATION | 5 | 0.9% | — |
| 24 | CANOPY MORTGAGE, LLC | 5 | 0.9% | — |
| 25 | TAMMAC HOLDINGS CORPORATION | 4 | 0.7% | — |
| 26 | T2 FINANCIAL LLC | 4 | 0.7% | — |
| 27 | NEW DAY FINANCIAL, LLC | 4 | 0.7% | — |
| 28 | LOWER, LLC | 4 | 0.7% | — |
| 29 | REPUBLIC STATE MORTGAGE CO. | 3 | 0.5% | — |
| 30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | 0.5% | — |
| 31 | Renasant Bank 64 out of 100, Moderate | 3 | 0.5% | 11.6% |
| 32 | Farm Credit Mid-America | 3 | 0.5% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 3 | 0.5% | — |
| 34 | Equity Prime Mortgage LLC | 3 | 0.5% | — |
| 35 | LAKEVIEW LOAN SERVICING, LLC | 3 | 0.5% | — |
| 36 | ROYAL UNITED MORTGAGE LLC | 3 | 0.5% | — |
| 37 | EVERETT FINANCIAL, INC. | 3 | 0.5% | — |
| 38 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 2 | 0.4% | 22.2% |
| 39 | Discover Bank | 2 | 0.4% | — |
| 40 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 0.4% | — |
Top 40 of 86 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