Kentucky · HMDA 2025
Mortgage lenders in Oldham County, KY
235 lenders reported 3,581 home-loan applications in Oldham County in 2025. 2,114 closed as loans ($711.2M), 363 were denied — a 14.1% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 14% of applications, led by Rocket Mortgage, LLC. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,581
- Loans originated
- 2,114
- Purchase / refinance
- 969 / 665
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Oldham County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 176 | 4.9% | — |
| 2 | Fifth Third Bank, National Association 62 out of 100, Moderate | 173 | 4.8% | 34.0% |
| 3 | PNC Bank, National Association 62 out of 100, Moderate | 168 | 4.7% | 33.8% |
| 4 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 161 | 4.5% | 21.5% |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLC | 154 | 4.3% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 137 | 3.8% | — |
| 7 | Northpointe Bank 58 out of 100, Moderate | 124 | 3.5% | 10.4% |
| 8 | Republic Bank & Trust Company 84 out of 100, Strong | 114 | 3.2% | 12.6% |
| 9 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 112 | 3.1% | 14.1% |
| 10 | L & N Federal Credit Union 72 out of 100, Strong | 104 | 2.9% | 8.7% |
| 11 | Liberty | 102 | 2.8% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 64 | 1.8% | — |
| 13 | NEWREZ LLC | 57 | 1.6% | — |
| 14 | PULTE MORTGAGE LLC | 56 | 1.6% | — |
| 15 | COMMONWEALTH | 51 | 1.4% | — |
| 16 | Fairway Independent Mortgage Corporation | 49 | 1.4% | — |
| 17 | AMERIHOME MORTGAGE COMPANY, LLC | 49 | 1.4% | — |
| 18 | UNIVERSITY OF KENTUCKY | 47 | 1.3% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 46 | 1.3% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 46 | 1.3% | — |
| 21 | Coastal Community Bank 35 out of 100, Low | 44 | 1.2% | 3.0% |
| 22 | U.S. Bank National Association 55 out of 100, Moderate | 39 | 1.1% | 39.5% |
| 23 | SPRING EQ, LLC | 38 | 1.1% | — |
| 24 | First Financial Bank 68 out of 100, Moderate | 38 | 1.1% | 24.9% |
| 25 | Truist Bank 63 out of 100, Moderate | 37 | 1.0% | 40.8% |
| 26 | THE LOAN STORE, INC. | 36 | 1.0% | — |
| 27 | Park Federal Credit Union 63 out of 100, Moderate | 36 | 1.0% | 18.5% |
| 28 | CROSSCOUNTRY MORTGAGE, INC. | 35 | 1.0% | — |
| 29 | PROVIDENT FUNDING ASSOCIATES, L.P. | 34 | 0.9% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 33 | 0.9% | 32.9% |
| 31 | Mortgage Research Center, LLC | 33 | 0.9% | — |
| 32 | German American Bank 75 out of 100, Strong | 33 | 0.9% | 17.2% |
| 33 | FIGURE LENDING LLC | 32 | 0.9% | — |
| 34 | UNION HOME MORTGAGE CORP. | 29 | 0.8% | — |
| 35 | AmeriSave Mortgage Corporation | 28 | 0.8% | — |
| 36 | Central Bank & Trust Company 76 out of 100, Strong | 26 | 0.7% | 9.9% |
| 37 | Bank of America, National Association 59 out of 100, Moderate | 25 | 0.7% | 44.7% |
| 38 | INTERLINC MORTGAGE SERVICES, LLC | 24 | 0.7% | — |
| 39 | VICTORY MORTGAGE, L.L.C. | 24 | 0.7% | — |
| 40 | STOCKTON MORTGAGE CORPORATION | 24 | 0.7% | — |
Top 40 of 235 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
- Laurel County 2,745 apps