Kentucky · HMDA 2025
Mortgage lenders in Owen County, KY
110 lenders reported 620 home-loan applications in Owen County in 2025. 328 closed as loans ($61.6M), 136 were denied — a 28.0% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 30% of applications, led by German American Bank. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 620
- Loans originated
- 328
- Purchase / refinance
- 153 / 102
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Owen County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | German American Bank 75 out of 100, Strong | 74 | 11.9% | 17.2% |
| 2 | COMMONWEALTH | 73 | 11.8% | — |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 40 | 6.5% | — |
| 4 | Rocket Mortgage, LLC | 38 | 6.1% | — |
| 5 | STOCKTON MORTGAGE CORPORATION | 25 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 19 | 3.1% | — |
| 7 | Fifth Third Bank, National Association 62 out of 100, Moderate | 19 | 3.1% | 34.0% |
| 8 | 21st Mortgage Corporation | 16 | 2.6% | — |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 2.6% | — |
| 10 | TRIAD FINANCIAL SERVICES, INC. | 13 | 2.1% | — |
| 11 | NEWREZ LLC | 11 | 1.8% | — |
| 12 | Broker Solutions, Inc. | 11 | 1.8% | — |
| 13 | Mortgage Research Center, LLC | 11 | 1.8% | — |
| 14 | Farm Credit Mid-America | 11 | 1.8% | — |
| 15 | SOUTHWEST STAGE FUNDING, LLC | 10 | 1.6% | — |
| 16 | UNION HOME MORTGAGE CORP. | 10 | 1.6% | — |
| 17 | The Huntington National Bank 59 out of 100, Moderate | 9 | 1.5% | 31.6% |
| 18 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 1.5% | 39.5% |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 1.3% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 8 | 1.3% | — |
| 21 | NFM, INC. | 7 | 1.1% | — |
| 22 | UNIVERSITY OF KENTUCKY | 7 | 1.1% | — |
| 23 | WesBanco Bank, Inc. 66 out of 100, Moderate | 7 | 1.1% | 20.1% |
| 24 | First Financial Bank 68 out of 100, Moderate | 7 | 1.1% | 24.9% |
| 25 | AmeriSave Mortgage Corporation | 6 | 1.0% | — |
| 26 | First National Bank of Kentucky 70 out of 100, Strong | 6 | 1.0% | 9.4% |
| 27 | Community Trust Bank, Inc. 80 out of 100, Strong | 5 | 0.8% | 13.9% |
| 28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | 0.8% | — |
| 29 | PLANET HOME LENDING, LLC | 5 | 0.8% | — |
| 30 | Guardian Savings Bank 83 out of 100, Strong | 5 | 0.8% | 11.5% |
| 31 | Truist Bank 63 out of 100, Moderate | 4 | 0.6% | 40.8% |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.6% | 33.8% |
| 33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | 0.6% | — |
| 34 | Forcht Bank, National Association | 4 | 0.6% | — |
| 35 | Heritage Bank, Inc. | 4 | 0.6% | — |
| 36 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.5% | 14.1% |
| 37 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 0.5% | — |
| 38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | 0.5% | — |
| 39 | United Citizens Bank & Trust Company 56 out of 100, Moderate | 3 | 0.5% | 12.5% |
| 40 | The Farmers Bank of Milton | 3 | 0.5% | — |
Top 40 of 110 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