Kentucky · HMDA 2025
Mortgage lenders in Muhlenberg County, KY
125 lenders reported 1,071 home-loan applications in Muhlenberg County in 2025. 531 closed as loans ($73.2M), 209 were denied — a 26.6% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 23% of applications, led by First Southern National Bank. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,071
- Loans originated
- 531
- Purchase / refinance
- 275 / 159
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Muhlenberg County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Southern National Bank | 90 | 8.4% | — |
| 2 | Old National Bank 59 out of 100, Moderate | 78 | 7.3% | 22.1% |
| 3 | Farmers Bank and Trust Company 74 out of 100, Strong | 76 | 7.1% | 10.5% |
| 4 | 21st Mortgage Corporation | 62 | 5.8% | — |
| 5 | Rocket Mortgage, LLC | 58 | 5.4% | — |
| 6 | EVERETT FINANCIAL, INC. | 51 | 4.8% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 42 | 3.9% | — |
| 8 | First Kentucky Bank 73 out of 100, Strong | 41 | 3.8% | 15.9% |
| 9 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 3.0% | — |
| 10 | Mortgage Research Center, LLC | 27 | 2.5% | — |
| 11 | Liberty | 27 | 2.5% | — |
| 12 | FirstBank 59 out of 100, Moderate | 23 | 2.1% | 42.8% |
| 13 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 20 | 1.9% | 74.7% |
| 14 | AmeriSave Mortgage Corporation | 18 | 1.7% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 18 | 1.7% | — |
| 16 | Magnolia Bank, Incorporated 49 out of 100, Below average | 18 | 1.7% | 10.3% |
| 17 | NEWREZ LLC | 17 | 1.6% | — |
| 18 | UNITED SHORE FINANCIAL SERVICES, LLC | 17 | 1.6% | — |
| 19 | Broker Solutions, Inc. | 17 | 1.6% | — |
| 20 | STOCKTON MORTGAGE CORPORATION | 14 | 1.3% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 13 | 1.2% | 14.1% |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 1.2% | 39.5% |
| 23 | TRIAD FINANCIAL SERVICES, INC. | 12 | 1.1% | — |
| 24 | PLANET HOME LENDING, LLC | 12 | 1.1% | — |
| 25 | The Sacramento Deposit Bank | 11 | 1.0% | — |
| 26 | CARRINGTON MORTGAGE SERVICES, LLC | 11 | 1.0% | — |
| 27 | Fifth Third Bank, National Association 62 out of 100, Moderate | 11 | 1.0% | 34.0% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 9 | 0.8% | — |
| 29 | SOUTHWEST STAGE FUNDING, LLC | 9 | 0.8% | — |
| 30 | Coastal Community Bank 35 out of 100, Low | 9 | 0.8% | 3.0% |
| 31 | Loandepot.Com, LLC | 7 | 0.7% | — |
| 32 | NEW DAY FINANCIAL, LLC | 7 | 0.7% | — |
| 33 | Independence Bank of Kentucky | 6 | 0.6% | — |
| 34 | MORTGAGE MASTERS OF INDIANA, INC. | 6 | 0.6% | — |
| 35 | Morgantown Bank & Trust Company, Incorporated 63 out of 100, Moderate | 6 | 0.6% | 2.7% |
| 36 | FIRST COMMUNITY MORTGAGE, INC. | 6 | 0.6% | — |
| 37 | UNION HOME MORTGAGE CORP. | 6 | 0.6% | — |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 5 | 0.5% | 32.9% |
| 39 | Abound Federal Credit Union 81 out of 100, Strong | 5 | 0.5% | 18.6% |
| 40 | LEADERONE FINANCIAL CORPORATION | 5 | 0.5% | — |
Top 40 of 125 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