Kentucky · HMDA 2025
Mortgage lenders in Nicholas County, KY
75 lenders reported 314 home-loan applications in Nicholas County in 2025. 122 closed as loans ($19.6M), 88 were denied — a 40.0% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 28% of applications, led by City National Bank of West Virginia. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 314
- Loans originated
- 122
- Purchase / refinance
- 58 / 32
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Nicholas County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | City National Bank of West Virginia 78 out of 100, Strong | 36 | 11.5% | 27.3% |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 33 | 10.5% | — |
| 3 | COMMONWEALTH | 18 | 5.7% | — |
| 4 | 21st Mortgage Corporation | 17 | 5.4% | — |
| 5 | Rocket Mortgage, LLC | 12 | 3.8% | — |
| 6 | Fifth Third Bank, National Association 62 out of 100, Moderate | 12 | 3.8% | 34.0% |
| 7 | Traditional Bank, Inc. 73 out of 100, Strong | 11 | 3.5% | 10.6% |
| 8 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 10 | 3.2% | 21.5% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 9 | 2.9% | — |
| 10 | Community Trust Bank, Inc. 80 out of 100, Strong | 8 | 2.5% | 13.9% |
| 11 | UNIVERSITY OF KENTUCKY | 8 | 2.5% | — |
| 12 | Whitaker Bank | 7 | 2.2% | — |
| 13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | 2.2% | — |
| 14 | NATIONSTAR MORTGAGE LLC | 7 | 2.2% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 1.9% | 14.1% |
| 16 | FirstBank 59 out of 100, Moderate | 6 | 1.9% | 42.8% |
| 17 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 1.9% | 74.7% |
| 18 | NEWREZ LLC | 5 | 1.6% | — |
| 19 | T2 FINANCIAL LLC | 5 | 1.6% | — |
| 20 | UNITED SHORE FINANCIAL SERVICES, LLC | 4 | 1.3% | — |
| 21 | TRIAD FINANCIAL SERVICES, INC. | 4 | 1.3% | — |
| 22 | Broker Solutions, Inc. | 3 | 1.0% | — |
| 23 | AmeriSave Mortgage Corporation | 3 | 1.0% | — |
| 24 | Mortgage Research Center, LLC | 3 | 1.0% | — |
| 25 | REPUBLIC STATE MORTGAGE CO. | 3 | 1.0% | — |
| 26 | SOUTHWEST STAGE FUNDING, LLC | 3 | 1.0% | — |
| 27 | Peoples Bank of Kentucky, Inc. | 3 | 1.0% | — |
| 28 | FREEDOM MORTGAGE CORPORATION | 3 | 1.0% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 3 | 1.0% | 3.0% |
| 30 | Regions Bank 64 out of 100, Moderate | 2 | 0.6% | 43.1% |
| 31 | PNC Bank, National Association 62 out of 100, Moderate | 2 | 0.6% | 33.8% |
| 32 | AMERIHOME MORTGAGE COMPANY, LLC | 2 | 0.6% | — |
| 33 | MidFirst Bank 34 out of 100, Low | 2 | 0.6% | 16.3% |
| 34 | GENEVA FINANCIAL, LLC | 2 | 0.6% | — |
| 35 | AMERICAN FINANCIAL RESOURCES, INC. | 2 | 0.6% | — |
| 36 | PLANET HOME LENDING, LLC | 2 | 0.6% | — |
| 37 | First Federal Savings and Loan Association of Lakewood 56 out of 100, Moderate | 2 | 0.6% | 12.5% |
| 38 | Guardian Savings Bank 83 out of 100, Strong | 2 | 0.6% | 11.5% |
| 39 | FIELD & MAIN BANK, INC. | 2 | 0.6% | — |
| 40 | Peoples Exchange Bank 71 out of 100, Strong | 2 | 0.6% | 15.2% |
Top 40 of 75 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