Kentucky · HMDA 2025
Mortgage lenders in Powell County, KY
98 lenders reported 571 home-loan applications in Powell County in 2025. 265 closed as loans ($43.0M), 124 were denied — a 30.5% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 26% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 571
- Loans originated
- 265
- Purchase / refinance
- 152 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Powell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 13.7% | — |
| 2 | Whitaker Bank | 41 | 7.2% | — |
| 3 | Peoples Exchange Bank 71 out of 100, Strong | 31 | 5.4% | 15.2% |
| 4 | Rocket Mortgage, LLC | 25 | 4.4% | — |
| 5 | Broker Solutions, Inc. | 24 | 4.2% | — |
| 6 | 21st Mortgage Corporation | 23 | 4.0% | — |
| 7 | Community Trust Bank, Inc. 80 out of 100, Strong | 21 | 3.7% | 13.9% |
| 8 | UNION HOME MORTGAGE CORP. | 18 | 3.2% | — |
| 9 | Luminate Bank 47 out of 100, Below average | 17 | 3.0% | 4.3% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 15 | 2.6% | — |
| 11 | Mortgage Research Center, LLC | 12 | 2.1% | — |
| 12 | REPUBLIC STATE MORTGAGE CO. | 12 | 2.1% | — |
| 13 | Traditional Bank, Inc. 73 out of 100, Strong | 12 | 2.1% | 10.6% |
| 14 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 12 | 2.1% | 74.7% |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 1.9% | — |
| 16 | UNIVERSITY OF KENTUCKY | 10 | 1.8% | — |
| 17 | NEWREZ LLC | 9 | 1.6% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 9 | 1.6% | 14.1% |
| 19 | FREEDOM MORTGAGE CORPORATION | 9 | 1.6% | — |
| 20 | PLANET HOME LENDING, LLC | 8 | 1.4% | — |
| 21 | AmeriSave Mortgage Corporation | 7 | 1.2% | — |
| 22 | Kiavi Funding, Inc. | 7 | 1.2% | — |
| 23 | COMMONWEALTH | 7 | 1.2% | — |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 6 | 1.1% | 39.5% |
| 25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | 1.1% | — |
| 26 | FirstBank 59 out of 100, Moderate | 6 | 1.1% | 42.8% |
| 27 | Citizens Bank, National Association 54 out of 100, Below average | 5 | 0.9% | 32.5% |
| 28 | NATIONSTAR MORTGAGE LLC | 5 | 0.9% | — |
| 29 | LAKEVIEW LOAN SERVICING, LLC | 5 | 0.9% | — |
| 30 | TRIAD FINANCIAL SERVICES, INC. | 4 | 0.7% | — |
| 31 | PNC Bank, National Association 62 out of 100, Moderate | 4 | 0.7% | 33.8% |
| 32 | RUOFF MORTGAGE COMPANY, INC. | 4 | 0.7% | — |
| 33 | Equity Prime Mortgage LLC | 4 | 0.7% | — |
| 34 | LOWER, LLC | 4 | 0.7% | — |
| 35 | Northpointe Bank 58 out of 100, Moderate | 4 | 0.7% | 10.4% |
| 36 | CITY FIRST MORTGAGE SERVICES, L.L.C. | 4 | 0.7% | — |
| 37 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.5% | 32.9% |
| 38 | Truist Bank 63 out of 100, Moderate | 3 | 0.5% | 40.8% |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.5% | — |
| 40 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 3 | 0.5% | 21.5% |
Top 40 of 98 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