Kentucky · HMDA 2025
Mortgage lenders in Pulaski County, KY
180 lenders reported 2,458 home-loan applications in Pulaski County in 2025. 1,242 closed as loans ($224.9M), 501 were denied — a 27.9% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 21% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,458
- Loans originated
- 1,242
- Purchase / refinance
- 655 / 376
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Pulaski County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 215 | 8.7% | — |
| 2 | Broker Solutions, Inc. | 160 | 6.5% | — |
| 3 | Rocket Mortgage, LLC | 151 | 6.1% | — |
| 4 | The Citizens National Bank of Somerset 75 out of 100, Strong | 140 | 5.7% | 11.3% |
| 5 | L & N Federal Credit Union 72 out of 100, Strong | 138 | 5.6% | 8.7% |
| 6 | 21st Mortgage Corporation | 104 | 4.2% | — |
| 7 | Community Trust Bank, Inc. 80 out of 100, Strong | 92 | 3.7% | 13.9% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 79 | 3.2% | — |
| 9 | UNITED SHORE FINANCIAL SERVICES, LLC | 67 | 2.7% | — |
| 10 | Mortgage Research Center, LLC | 65 | 2.6% | — |
| 11 | FREEDOM MORTGAGE CORPORATION | 50 | 2.0% | — |
| 12 | United Cumberland Bank 71 out of 100, Strong | 49 | 2.0% | 12.7% |
| 13 | Truist Bank 63 out of 100, Moderate | 43 | 1.7% | 40.8% |
| 14 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 43 | 1.7% | 74.7% |
| 15 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 40 | 1.6% | 7.5% |
| 16 | PLANET HOME LENDING, LLC | 37 | 1.5% | — |
| 17 | NEWREZ LLC | 35 | 1.4% | — |
| 18 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 32 | 1.3% | 14.1% |
| 19 | COMMONWEALTH | 32 | 1.3% | — |
| 20 | Forcht Bank, National Association | 31 | 1.3% | — |
| 21 | Northpointe Bank 58 out of 100, Moderate | 31 | 1.3% | 10.4% |
| 22 | The Monticello Banking Company 71 out of 100, Strong | 28 | 1.1% | 18.6% |
| 23 | First Southern National Bank | 26 | 1.1% | — |
| 24 | AmeriSave Mortgage Corporation | 23 | 0.9% | — |
| 25 | NEW DAY FINANCIAL, LLC | 23 | 0.9% | — |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 20 | 0.8% | 32.9% |
| 27 | U.S. Bank National Association 55 out of 100, Moderate | 20 | 0.8% | 39.5% |
| 28 | Farm Credit Mid-America | 20 | 0.8% | — |
| 29 | VILLAGE CAPITAL & INVESTMENT LLC | 20 | 0.8% | — |
| 30 | Loandepot.Com, LLC | 19 | 0.8% | — |
| 31 | FirstBank 59 out of 100, Moderate | 19 | 0.8% | 42.8% |
| 32 | Coastal Community Bank 35 out of 100, Low | 19 | 0.8% | 3.0% |
| 33 | PNC Bank, National Association 62 out of 100, Moderate | 17 | 0.7% | 33.8% |
| 34 | Discover Bank | 16 | 0.7% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 16 | 0.7% | — |
| 36 | Fifth Third Bank, National Association 62 out of 100, Moderate | 16 | 0.7% | 34.0% |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 14 | 0.6% | — |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 14 | 0.6% | — |
| 39 | AMERIHOME MORTGAGE COMPANY, LLC | 13 | 0.5% | — |
| 40 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 0.5% | — |
Top 40 of 180 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