Kentucky · HMDA 2025
Mortgage lenders in Montgomery County, KY
150 lenders reported 1,261 home-loan applications in Montgomery County in 2025. 648 closed as loans ($111.2M), 217 were denied — a 24.2% denial rate on decided applications, close to the Kentucky rate of 23.3%. The three most active lenders handled 24% of applications, led by Traditional Bank, Inc.. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,261
- Loans originated
- 648
- Purchase / refinance
- 314 / 195
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Montgomery County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Traditional Bank, Inc. 73 out of 100, Strong | 131 | 10.4% | 10.6% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 109 | 8.6% | — |
| 3 | Community Trust Bank, Inc. 80 out of 100, Strong | 60 | 4.8% | 13.9% |
| 4 | Rocket Mortgage, LLC | 55 | 4.4% | — |
| 5 | REPUBLIC STATE MORTGAGE CO. | 51 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 42 | 3.3% | — |
| 7 | Peoples Exchange Bank 71 out of 100, Strong | 37 | 2.9% | 15.2% |
| 8 | Broker Solutions, Inc. | 36 | 2.9% | — |
| 9 | Mortgage Research Center, LLC | 35 | 2.8% | — |
| 10 | COMMONWEALTH | 34 | 2.7% | — |
| 11 | Whitaker Bank | 30 | 2.4% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 29 | 2.3% | — |
| 13 | UNIVERSITY OF KENTUCKY | 27 | 2.1% | — |
| 14 | NEWREZ LLC | 24 | 1.9% | — |
| 15 | Citizens Bank, National Association 54 out of 100, Below average | 23 | 1.8% | 32.5% |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 22 | 1.7% | — |
| 17 | City National Bank of West Virginia 78 out of 100, Strong | 22 | 1.7% | 27.3% |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 21 | 1.7% | 39.5% |
| 19 | PLANET HOME LENDING, LLC | 21 | 1.7% | — |
| 20 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 18 | 1.4% | 21.5% |
| 21 | 21st Mortgage Corporation | 16 | 1.3% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 15 | 1.2% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 14 | 1.1% | — |
| 24 | UNION HOME MORTGAGE CORP. | 13 | 1.0% | — |
| 25 | AmeriSave Mortgage Corporation | 12 | 1.0% | — |
| 26 | Central Bank & Trust Company 76 out of 100, Strong | 11 | 0.9% | 9.9% |
| 27 | Farm Credit Mid-America | 11 | 0.9% | — |
| 28 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 11 | 0.9% | 74.7% |
| 29 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 10 | 0.8% | 14.1% |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 0.8% | — |
| 31 | Fifth Third Bank, National Association 62 out of 100, Moderate | 10 | 0.8% | 34.0% |
| 32 | LOWER, LLC | 9 | 0.7% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 9 | 0.7% | 3.0% |
| 34 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.6% | — |
| 35 | T2 FINANCIAL LLC | 8 | 0.6% | — |
| 36 | STOCKTON MORTGAGE CORPORATION | 8 | 0.6% | — |
| 37 | Loandepot.Com, LLC | 7 | 0.6% | — |
| 38 | SPRING EQ, LLC | 7 | 0.6% | — |
| 39 | Peoples Bank of Kentucky, Inc. | 7 | 0.6% | — |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 6 | 0.5% | 44.7% |
Top 40 of 150 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