Kentucky · HMDA 2025
Mortgage lenders in Pendleton County, KY
115 lenders reported 725 home-loan applications in Pendleton County in 2025. 367 closed as loans ($70.8M), 160 were denied — a 29.6% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 23% of applications, led by Fifth Third Bank, National Association. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 725
- Loans originated
- 367
- Purchase / refinance
- 172 / 109
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pendleton County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Fifth Third Bank, National Association 62 out of 100, Moderate | 64 | 8.8% | 34.0% |
| 2 | U.S. Bank National Association 55 out of 100, Moderate | 52 | 7.2% | 39.5% |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 49 | 6.8% | — |
| 4 | Rocket Mortgage, LLC | 36 | 5.0% | — |
| 5 | Truist Bank 63 out of 100, Moderate | 29 | 4.0% | 40.8% |
| 6 | Heritage Bank, Inc. | 27 | 3.7% | — |
| 7 | The First National Bank of Brooksville 68 out of 100, Moderate | 20 | 2.8% | 21.8% |
| 8 | STOCKTON MORTGAGE CORPORATION | 20 | 2.8% | — |
| 9 | AmeriSave Mortgage Corporation | 19 | 2.6% | — |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 18 | 2.5% | — |
| 11 | NEWREZ LLC | 17 | 2.3% | — |
| 12 | PENNYMAC LOAN SERVICES, LLC | 17 | 2.3% | — |
| 13 | UNION HOME MORTGAGE CORP. | 17 | 2.3% | — |
| 14 | The Huntington National Bank 59 out of 100, Moderate | 14 | 1.9% | 31.6% |
| 15 | Farm Credit Mid-America | 14 | 1.9% | — |
| 16 | NFM, INC. | 14 | 1.9% | — |
| 17 | Mortgage Research Center, LLC | 13 | 1.8% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 12 | 1.7% | — |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 1.4% | — |
| 20 | Community Trust Bank, Inc. 80 out of 100, Strong | 10 | 1.4% | 13.9% |
| 21 | FIGURE LENDING LLC | 10 | 1.4% | — |
| 22 | Guardian Savings Bank 83 out of 100, Strong | 10 | 1.4% | 11.5% |
| 23 | TRIAD FINANCIAL SERVICES, INC. | 9 | 1.2% | — |
| 24 | SUCCESS MORTGAGE PARTNERS, INC. | 9 | 1.2% | — |
| 25 | First Financial Bank 68 out of 100, Moderate | 9 | 1.2% | 24.9% |
| 26 | 21st Mortgage Corporation | 8 | 1.1% | — |
| 27 | GUARANTEED RATE, INC. | 8 | 1.1% | — |
| 28 | Broker Solutions, Inc. | 7 | 1.0% | — |
| 29 | POLARIS HOME FUNDING CORP. | 7 | 1.0% | — |
| 30 | Forcht Bank, National Association | 7 | 1.0% | — |
| 31 | CINFED Federal Credit Union 72 out of 100, Strong | 6 | 0.8% | 14.6% |
| 32 | Loandepot.Com, LLC | 5 | 0.7% | — |
| 33 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.7% | — |
| 34 | Prosperity Home Mortgage, LLC | 5 | 0.7% | — |
| 35 | L & N Federal Credit Union 72 out of 100, Strong | 5 | 0.7% | 8.7% |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 5 | 0.7% | — |
| 37 | Discover Bank | 4 | 0.6% | — |
| 38 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.6% | — |
| 39 | COMMONWEALTH | 4 | 0.6% | — |
| 40 | GENERAL ELECTRIC CREDIT UNION 54 out of 100, Below average | 4 | 0.6% | 13.4% |
Top 40 of 115 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