Kentucky · HMDA 2025
Mortgage lenders in Monroe County, KY
54 lenders reported 339 home-loan applications in Monroe County in 2025. 173 closed as loans ($22.8M), 82 were denied — a 30.9% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 57% of applications, led by SOUTH CENTRAL BANK, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 339
- Loans originated
- 173
- Purchase / refinance
- 68 / 63
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Monroe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 81 | 23.9% | 7.5% |
| 2 | Edmonton State Bank 82 out of 100, Strong | 79 | 23.3% | 15.9% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 9.4% | — |
| 4 | Rocket Mortgage, LLC | 14 | 4.1% | — |
| 5 | 21st Mortgage Corporation | 12 | 3.5% | — |
| 6 | U.S. Bank National Association 55 out of 100, Moderate | 12 | 3.5% | 39.5% |
| 7 | Mortgage Research Center, LLC | 10 | 2.9% | — |
| 8 | FREEDOM MORTGAGE CORPORATION | 8 | 2.4% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 7 | 2.1% | — |
| 10 | AmeriSave Mortgage Corporation | 5 | 1.5% | — |
| 11 | Abound Federal Credit Union 81 out of 100, Strong | 5 | 1.5% | 18.6% |
| 12 | NEWREZ LLC | 4 | 1.2% | — |
| 13 | Discover Bank | 4 | 1.2% | — |
| 14 | Macon Bank and Trust Company | 4 | 1.2% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.9% | 14.1% |
| 16 | PLANET HOME LENDING, LLC | 3 | 0.9% | — |
| 17 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 3 | 0.9% | 74.7% |
| 18 | Coastal Community Bank 35 out of 100, Low | 3 | 0.9% | 3.0% |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.6% | 32.9% |
| 20 | Loandepot.Com, LLC | 2 | 0.6% | — |
| 21 | SPRING EQ, LLC | 2 | 0.6% | — |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.6% | — |
| 23 | SOUTHWEST STAGE FUNDING, LLC | 2 | 0.6% | — |
| 24 | Farm Credit Mid-America | 2 | 0.6% | — |
| 25 | FirstBank 59 out of 100, Moderate | 2 | 0.6% | 42.8% |
| 26 | NEW DAY FINANCIAL, LLC | 2 | 0.6% | — |
| 27 | PRINCETON MORTGAGE CORPORATION | 2 | 0.6% | — |
| 28 | STOCKTON MORTGAGE CORPORATION | 2 | 0.6% | — |
| 29 | TOWNE MORTGAGE COMPANY | 2 | 0.6% | — |
| 30 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | 0.6% | — |
| 31 | EVERETT FINANCIAL, INC. | 2 | 0.6% | — |
| 32 | PHH Mortgage Corporation | 2 | 0.6% | — |
| 33 | Truist Bank 63 out of 100, Moderate | 1 | 0.3% | 40.8% |
| 34 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 0.3% | — |
| 35 | Broker Solutions, Inc. | 1 | 0.3% | — |
| 36 | Regions Bank 64 out of 100, Moderate | 1 | 0.3% | 43.1% |
| 37 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.3% | — |
| 38 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.3% | 33.8% |
| 39 | FIRSTTRUST HOME LOANS, INC. | 1 | 0.3% | — |
| 40 | Paramount Residential Mortgage Group, Inc. | 1 | 0.3% | — |
Top 40 of 54 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