Kentucky · HMDA 2025
Mortgage lenders in Mercer County, KY
163 lenders reported 1,211 home-loan applications in Mercer County in 2025. 625 closed as loans ($112.4M), 240 were denied — a 26.8% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 18% of applications, led by COMMONWEALTH. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,211
- Loans originated
- 625
- Purchase / refinance
- 306 / 201
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Mercer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMONWEALTH | 77 | 6.4% | — |
| 2 | Whitaker Bank | 69 | 5.7% | — |
| 3 | Rocket Mortgage, LLC | 66 | 5.5% | — |
| 4 | Fifth Third Bank, National Association 62 out of 100, Moderate | 49 | 4.0% | 34.0% |
| 5 | Broker Solutions, Inc. | 48 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 44 | 3.6% | — |
| 7 | Community Trust Bank, Inc. 80 out of 100, Strong | 40 | 3.3% | 13.9% |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 33 | 2.7% | — |
| 9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 33 | 2.7% | — |
| 10 | First Financial Bank 68 out of 100, Moderate | 32 | 2.6% | 24.9% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 2.6% | — |
| 12 | Abound Federal Credit Union 81 out of 100, Strong | 27 | 2.2% | 18.6% |
| 13 | Mortgage Research Center, LLC | 26 | 2.1% | — |
| 14 | UNIVERSITY OF KENTUCKY | 25 | 2.1% | — |
| 15 | AMERIHOME MORTGAGE COMPANY, LLC | 24 | 2.0% | — |
| 16 | FREEDOM MORTGAGE CORPORATION | 22 | 1.8% | — |
| 17 | NEWREZ LLC | 21 | 1.7% | — |
| 18 | AmeriSave Mortgage Corporation | 20 | 1.7% | — |
| 19 | T2 FINANCIAL LLC | 17 | 1.4% | — |
| 20 | STOCKTON MORTGAGE CORPORATION | 17 | 1.4% | — |
| 21 | 21st Mortgage Corporation | 16 | 1.3% | — |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 16 | 1.3% | 33.8% |
| 23 | Guardian Savings Bank 83 out of 100, Strong | 15 | 1.2% | 11.5% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 14 | 1.2% | 14.1% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 13 | 1.1% | 32.9% |
| 26 | Loandepot.Com, LLC | 12 | 1.0% | — |
| 27 | PLANET HOME LENDING, LLC | 11 | 0.9% | — |
| 28 | REPUBLIC STATE MORTGAGE CO. | 10 | 0.8% | — |
| 29 | GENEVA FINANCIAL, LLC | 10 | 0.8% | — |
| 30 | WesBanco Bank, Inc. 66 out of 100, Moderate | 10 | 0.8% | 20.1% |
| 31 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 0.7% | 39.5% |
| 32 | Renasant Bank 64 out of 100, Moderate | 9 | 0.7% | 11.6% |
| 33 | Ixonia Bank 67 out of 100, Moderate | 9 | 0.7% | 4.7% |
| 34 | SOUTHWEST STAGE FUNDING, LLC | 8 | 0.7% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 8 | 0.7% | — |
| 36 | City National Bank of West Virginia 78 out of 100, Strong | 8 | 0.7% | 27.3% |
| 37 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 8 | 0.7% | 74.7% |
| 38 | CENTRAL KENTUCKY AGRICULTURAL CREDIT ASSOCIATION | 7 | 0.6% | — |
| 39 | NEW DAY FINANCIAL, LLC | 7 | 0.6% | — |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 7 | 0.6% | — |
Top 40 of 163 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