Kentucky · HMDA 2025
Mortgage lenders in Morgan County, KY
69 lenders reported 220 home-loan applications in Morgan County in 2025. 86 closed as loans ($12.9M), 61 were denied — a 38.4% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 32% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 220
- Loans originated
- 86
- Purchase / refinance
- 50 / 26
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Morgan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 41 | 18.6% | — |
| 2 | 21st Mortgage Corporation | 15 | 6.8% | — |
| 3 | Rocket Mortgage, LLC | 14 | 6.4% | — |
| 4 | First Grayson Bancorp, Inc. 79 out of 100, Strong | 11 | 5.0% | 24.0% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 9 | 4.1% | — |
| 6 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 4.1% | 74.7% |
| 7 | STOCKTON MORTGAGE CORPORATION | 8 | 3.6% | — |
| 8 | Mortgage Research Center, LLC | 7 | 3.2% | — |
| 9 | Equity Prime Mortgage LLC | 7 | 3.2% | — |
| 10 | TRIAD FINANCIAL SERVICES, INC. | 6 | 2.7% | — |
| 11 | Broker Solutions, Inc. | 5 | 2.3% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 5 | 2.3% | 39.5% |
| 13 | COMMONWEALTH | 5 | 2.3% | — |
| 14 | PENNYMAC LOAN SERVICES, LLC | 4 | 1.8% | — |
| 15 | PLANET HOME LENDING, LLC | 4 | 1.8% | — |
| 16 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 1.4% | 32.9% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 1.4% | 14.1% |
| 18 | FirstBank 59 out of 100, Moderate | 3 | 1.4% | 42.8% |
| 19 | LOWER, LLC | 3 | 1.4% | — |
| 20 | Loandepot.Com, LLC | 2 | 0.9% | — |
| 21 | AmeriSave Mortgage Corporation | 2 | 0.9% | — |
| 22 | Community Trust Bank, Inc. 80 out of 100, Strong | 2 | 0.9% | 13.9% |
| 23 | FIGURE LENDING LLC | 2 | 0.9% | — |
| 24 | Farm Credit Mid-America | 2 | 0.9% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 2 | 0.9% | — |
| 26 | ROYAL UNITED MORTGAGE LLC | 2 | 0.9% | — |
| 27 | USAA Federal Savings Bank 64 out of 100, Moderate | 2 | 0.9% | 37.2% |
| 28 | CMG MORTGAGE, INC. | 1 | 0.5% | — |
| 29 | GUARANTEED RATE, INC. | 1 | 0.5% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 1 | 0.5% | — |
| 31 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 0.5% | 33.8% |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 1 | 0.5% | 44.7% |
| 33 | SPRING EQ, LLC | 1 | 0.5% | — |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 1 | 0.5% | — |
| 35 | REPUBLIC STATE MORTGAGE CO. | 1 | 0.5% | — |
| 36 | USALLIANCE FEDERAL CREDIT UNION 53 out of 100, Below average | 1 | 0.5% | 16.2% |
| 37 | FAIR WAY LENDING LLC | 1 | 0.5% | — |
| 38 | MidFirst Bank 34 out of 100, Low | 1 | 0.5% | 16.3% |
| 39 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 1 | 0.5% | 21.5% |
| 40 | The Federal Savings Bank 51 out of 100, Below average | 1 | 0.5% | 19.1% |
Top 40 of 69 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