Kentucky · HMDA 2025
Mortgage lenders in Metcalfe County, KY
63 lenders reported 356 home-loan applications in Metcalfe County in 2025. 180 closed as loans ($27.0M), 77 were denied — a 29.1% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 44% of applications, led by Edmonton State Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 356
- Loans originated
- 180
- Purchase / refinance
- 96 / 51
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Metcalfe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Edmonton State Bank 82 out of 100, Strong | 77 | 21.6% | 15.9% |
| 2 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 44 | 12.4% | 7.5% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 34 | 9.6% | — |
| 4 | Rocket Mortgage, LLC | 15 | 4.2% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 12 | 3.4% | — |
| 6 | Abound Federal Credit Union 81 out of 100, Strong | 12 | 3.4% | 18.6% |
| 7 | 21st Mortgage Corporation | 11 | 3.1% | — |
| 8 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 2.5% | 39.5% |
| 9 | Farm Credit Mid-America | 9 | 2.5% | — |
| 10 | PLANET HOME LENDING, LLC | 8 | 2.2% | — |
| 11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 8 | 2.2% | — |
| 12 | EVERETT FINANCIAL, INC. | 8 | 2.2% | — |
| 13 | The Cecilian Bank 77 out of 100, Strong | 6 | 1.7% | 11.4% |
| 14 | AmeriSave Mortgage Corporation | 5 | 1.4% | — |
| 15 | German American Bank 75 out of 100, Strong | 5 | 1.4% | 17.2% |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 4 | 1.1% | 14.1% |
| 17 | Broker Solutions, Inc. | 4 | 1.1% | — |
| 18 | Mortgage Research Center, LLC | 4 | 1.1% | — |
| 19 | Community Trust Bank, Inc. 80 out of 100, Strong | 4 | 1.1% | 13.9% |
| 20 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 4 | 1.1% | 74.7% |
| 21 | Peoples Bank 67 out of 100, Moderate | 4 | 1.1% | 24.1% |
| 22 | Magnolia Bank, Incorporated 49 out of 100, Below average | 4 | 1.1% | 10.3% |
| 23 | UNITED SHORE FINANCIAL SERVICES, LLC | 3 | 0.8% | — |
| 24 | GUARANTEED RATE, INC. | 3 | 0.8% | — |
| 25 | FIGURE LENDING LLC | 3 | 0.8% | — |
| 26 | SOUTHWEST STAGE FUNDING, LLC | 3 | 0.8% | — |
| 27 | AMERICAN FINANCING CORPORATION | 3 | 0.8% | — |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 3 | 0.8% | — |
| 29 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.6% | 31.6% |
| 30 | Truist Bank 63 out of 100, Moderate | 2 | 0.6% | 40.8% |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 2 | 0.6% | — |
| 32 | Click n' Close, Inc. | 2 | 0.6% | — |
| 33 | Liberty | 2 | 0.6% | — |
| 34 | ROSS MORTGAGE CORPORATION | 2 | 0.6% | — |
| 35 | RUOFF MORTGAGE COMPANY, INC. | 2 | 0.6% | — |
| 36 | FREEDOM MORTGAGE CORPORATION | 2 | 0.6% | — |
| 37 | LAKEVIEW LOAN SERVICING, LLC | 2 | 0.6% | — |
| 38 | FirstBank 59 out of 100, Moderate | 2 | 0.6% | 42.8% |
| 39 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.6% | 37.2% |
| 40 | Coastal Community Bank 35 out of 100, Low | 2 | 0.6% | 3.0% |
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