Kentucky · HMDA 2025
Mortgage lenders in Ohio County, KY
114 lenders reported 848 home-loan applications in Ohio County in 2025. 398 closed as loans ($63.9M), 176 were denied — a 28.9% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 21% of applications, led by Liberty. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 848
- Loans originated
- 398
- Purchase / refinance
- 218 / 130
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ohio County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Liberty | 78 | 9.2% | — |
| 2 | 21st Mortgage Corporation | 60 | 7.1% | — |
| 3 | Rocket Mortgage, LLC | 40 | 4.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 39 | 4.6% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 38 | 4.5% | — |
| 6 | Peoples Bank 67 out of 100, Moderate | 33 | 3.9% | 24.1% |
| 7 | Morgantown Bank & Trust Company, Incorporated 63 out of 100, Moderate | 29 | 3.4% | 2.7% |
| 8 | First United Bank and Trust Company 74 out of 100, Strong | 27 | 3.2% | 4.8% |
| 9 | The Cecilian Bank 77 out of 100, Strong | 23 | 2.7% | 11.4% |
| 10 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 23 | 2.7% | 74.7% |
| 11 | Mortgage Research Center, LLC | 21 | 2.5% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 2.1% | — |
| 13 | Broker Solutions, Inc. | 18 | 2.1% | — |
| 14 | Independence Bank of Kentucky | 17 | 2.0% | — |
| 15 | FirstBank 59 out of 100, Moderate | 17 | 2.0% | 42.8% |
| 16 | Fifth Third Bank, National Association 62 out of 100, Moderate | 16 | 1.9% | 34.0% |
| 17 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 15 | 1.8% | 14.1% |
| 18 | UNION HOME MORTGAGE CORP. | 14 | 1.7% | — |
| 19 | AmeriSave Mortgage Corporation | 13 | 1.5% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 1.5% | 39.5% |
| 21 | PLANET HOME LENDING, LLC | 13 | 1.5% | — |
| 22 | FREEDOM MORTGAGE CORPORATION | 13 | 1.5% | — |
| 23 | FIRST COMMUNITY MORTGAGE, INC. | 13 | 1.5% | — |
| 24 | Farm Credit Mid-America | 11 | 1.3% | — |
| 25 | PHH Mortgage Corporation | 10 | 1.2% | — |
| 26 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 10 | 1.2% | 7.5% |
| 27 | NEWREZ LLC | 9 | 1.1% | — |
| 28 | Old National Bank 59 out of 100, Moderate | 9 | 1.1% | 22.1% |
| 29 | LOWER, LLC | 9 | 1.1% | — |
| 30 | CROSSCOUNTRY MORTGAGE, INC. | 8 | 0.9% | — |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 8 | 0.9% | — |
| 32 | Truist Bank 63 out of 100, Moderate | 7 | 0.8% | 40.8% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 0.7% | 32.9% |
| 34 | MOVEMENT MORTGAGE, LLC | 6 | 0.7% | — |
| 35 | Heritage Federal Credit Union 77 out of 100, Strong | 6 | 0.7% | 21.5% |
| 36 | LEADERONE FINANCIAL CORPORATION | 6 | 0.7% | — |
| 37 | SOUTHWEST STAGE FUNDING, LLC | 6 | 0.7% | — |
| 38 | NEW DAY FINANCIAL, LLC | 6 | 0.7% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 6 | 0.7% | — |
| 40 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 0.7% | — |
Top 40 of 114 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