Kentucky · HMDA 2025
Mortgage lenders in McLean County, KY
63 lenders reported 305 home-loan applications in McLean County in 2025. 156 closed as loans ($22.7M), 64 were denied — a 27.7% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 30% of applications, led by Liberty. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 305
- Loans originated
- 156
- Purchase / refinance
- 85 / 43
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in McLean County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Liberty | 38 | 12.5% | — |
| 2 | Independence Bank of Kentucky | 26 | 8.5% | — |
| 3 | The Sacramento Deposit Bank | 26 | 8.5% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 16 | 5.2% | — |
| 5 | Rocket Mortgage, LLC | 16 | 5.2% | — |
| 6 | 21st Mortgage Corporation | 15 | 4.9% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 4.3% | 39.5% |
| 8 | Farmers Bank and Trust Company 74 out of 100, Strong | 12 | 3.9% | 10.5% |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 3.6% | — |
| 10 | Mortgage Research Center, LLC | 9 | 3.0% | — |
| 11 | VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | 2.3% | — |
| 12 | Old National Bank 59 out of 100, Moderate | 7 | 2.3% | 22.1% |
| 13 | FirstBank 59 out of 100, Moderate | 7 | 2.3% | 42.8% |
| 14 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 7 | 2.3% | 74.7% |
| 15 | Truist Bank 63 out of 100, Moderate | 6 | 2.0% | 40.8% |
| 16 | NEWREZ LLC | 5 | 1.6% | — |
| 17 | Heritage Federal Credit Union 77 out of 100, Strong | 5 | 1.6% | 21.5% |
| 18 | SOUTHWEST STAGE FUNDING, LLC | 5 | 1.6% | — |
| 19 | PHH Mortgage Corporation | 5 | 1.6% | — |
| 20 | Farm Credit Mid-America | 4 | 1.3% | — |
| 21 | Broker Solutions, Inc. | 3 | 1.0% | — |
| 22 | AmeriSave Mortgage Corporation | 3 | 1.0% | — |
| 23 | PLANET HOME LENDING, LLC | 3 | 1.0% | — |
| 24 | EVERETT FINANCIAL, INC. | 3 | 1.0% | — |
| 25 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 1.0% | 34.0% |
| 26 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 3 | 1.0% | 7.5% |
| 27 | German American Bank 75 out of 100, Strong | 3 | 1.0% | 17.2% |
| 28 | First Southern National Bank | 2 | 0.7% | — |
| 29 | NATIONSTAR MORTGAGE LLC | 2 | 0.7% | — |
| 30 | LAKEVIEW LOAN SERVICING, LLC | 2 | 0.7% | — |
| 31 | NEW DAY FINANCIAL, LLC | 2 | 0.7% | — |
| 32 | FIELD & MAIN BANK, INC. | 2 | 0.7% | — |
| 33 | UNION HOME MORTGAGE CORP. | 2 | 0.7% | — |
| 34 | First United Bank and Trust Company 74 out of 100, Strong | 2 | 0.7% | 4.8% |
| 35 | Magnolia Bank, Incorporated 49 out of 100, Below average | 2 | 0.7% | 10.3% |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 1 | 0.3% | 32.9% |
| 37 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1 | 0.3% | 14.1% |
| 38 | TRIAD FINANCIAL SERVICES, INC. | 1 | 0.3% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.3% | 33.8% |
| 40 | MidFirst Bank 34 out of 100, Low | 1 | 0.3% | 16.3% |
Top 40 of 63 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