Kentucky · HMDA 2025
Mortgage lenders in Owsley County, KY
37 lenders reported 92 home-loan applications in Owsley County in 2025. 27 closed as loans ($3.9M), 33 were denied — a 49.3% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 37% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 12 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 92
- Loans originated
- 27
- Purchase / refinance
- 16 / 6
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Owsley County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 19.6% | — |
| 2 | 21st Mortgage Corporation | 8 | 8.7% | — |
| 3 | Rocket Mortgage, LLC | 8 | 8.7% | — |
| 4 | Mortgage Research Center, LLC | 5 | 5.4% | — |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 4 | 4.3% | — |
| 6 | Community Trust Bank, Inc. 80 out of 100, Strong | 4 | 4.3% | 13.9% |
| 7 | FirstBank 59 out of 100, Moderate | 4 | 4.3% | 42.8% |
| 8 | Broker Solutions, Inc. | 3 | 3.3% | — |
| 9 | Peoples Exchange Bank 71 out of 100, Strong | 3 | 3.3% | 15.2% |
| 10 | AmeriSave Mortgage Corporation | 2 | 2.2% | — |
| 11 | CROSSCOUNTRY MORTGAGE, INC. | 2 | 2.2% | — |
| 12 | U.S. Bank National Association 55 out of 100, Moderate | 2 | 2.2% | 39.5% |
| 13 | SOUTHWEST STAGE FUNDING, LLC | 2 | 2.2% | — |
| 14 | Click n' Close, Inc. | 2 | 2.2% | — |
| 15 | Prosperity Home Mortgage, LLC | 2 | 2.2% | — |
| 16 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 2 | 2.2% | 74.7% |
| 17 | NEWREZ LLC | 1 | 1.1% | — |
| 18 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 1 | 1.1% | 22.2% |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 1 | 1.1% | — |
| 20 | Discover Bank | 1 | 1.1% | — |
| 21 | Regions Bank 64 out of 100, Moderate | 1 | 1.1% | 43.1% |
| 22 | PNC Bank, National Association 62 out of 100, Moderate | 1 | 1.1% | 33.8% |
| 23 | PLANET HOME LENDING, LLC | 1 | 1.1% | — |
| 24 | Traditional Bank, Inc. 73 out of 100, Strong | 1 | 1.1% | 10.6% |
| 25 | TAMMAC HOLDINGS CORPORATION | 1 | 1.1% | — |
| 26 | The Farmers Bank 78 out of 100, Strong | 1 | 1.1% | 3.7% |
| 27 | Equity Prime Mortgage LLC | 1 | 1.1% | — |
| 28 | LONGBRIDGE FINANCIAL, LLC | 1 | 1.1% | — |
| 29 | L & N Federal Credit Union 72 out of 100, Strong | 1 | 1.1% | 8.7% |
| 30 | LAKEVIEW LOAN SERVICING, LLC | 1 | 1.1% | — |
| 31 | STOCKTON MORTGAGE CORPORATION | 1 | 1.1% | — |
| 32 | UNION HOME MORTGAGE CORP. | 1 | 1.1% | — |
| 33 | LOWER, LLC | 1 | 1.1% | — |
| 34 | VILLAGE CAPITAL & INVESTMENT LLC | 1 | 1.1% | — |
| 35 | DAS Acquisition Company, LLC | 1 | 1.1% | — |
| 36 | Fifth Third Bank, National Association 62 out of 100, Moderate | 1 | 1.1% | 34.0% |
| 37 | DATA MORTGAGE, INC. | 1 | 1.1% | — |
Top 37 of 37 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