Kentucky · HMDA 2025
Mortgage lenders in Rockcastle County, KY
91 lenders reported 578 home-loan applications in Rockcastle County in 2025. 246 closed as loans ($34.4M), 153 were denied — a 37.0% 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
- 578
- Loans originated
- 246
- Purchase / refinance
- 123 / 66
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rockcastle County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 13.7% | — |
| 2 | 21st Mortgage Corporation | 74 | 12.8% | — |
| 3 | Community Trust Bank, Inc. 80 out of 100, Strong | 63 | 10.9% | 13.9% |
| 4 | Broker Solutions, Inc. | 25 | 4.3% | — |
| 5 | Whitaker Bank | 25 | 4.3% | — |
| 6 | Rocket Mortgage, LLC | 24 | 4.2% | — |
| 7 | U.S. Bank National Association 55 out of 100, Moderate | 17 | 2.9% | 39.5% |
| 8 | PENNYMAC LOAN SERVICES, LLC | 15 | 2.6% | — |
| 9 | COMMONWEALTH | 13 | 2.2% | — |
| 10 | FirstBank 59 out of 100, Moderate | 12 | 2.1% | 42.8% |
| 11 | T2 FINANCIAL LLC | 11 | 1.9% | — |
| 12 | Mortgage Research Center, LLC | 9 | 1.6% | — |
| 13 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 1.6% | 74.7% |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 1.4% | — |
| 15 | PNC Bank, National Association 62 out of 100, Moderate | 8 | 1.4% | 33.8% |
| 16 | FREEDOM MORTGAGE CORPORATION | 8 | 1.4% | — |
| 17 | L & N Federal Credit Union 72 out of 100, Strong | 8 | 1.4% | 8.7% |
| 18 | DAS Acquisition Company, LLC | 8 | 1.4% | — |
| 19 | GoPrime Mortgage, Inc. | 7 | 1.2% | — |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 6 | 1.0% | — |
| 21 | UNIVERSITY OF KENTUCKY | 6 | 1.0% | — |
| 22 | NEWREZ LLC | 5 | 0.9% | — |
| 23 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.9% | 14.1% |
| 24 | AmeriSave Mortgage Corporation | 5 | 0.9% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 5 | 0.9% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.7% | — |
| 27 | AMERICAN FINANCIAL RESOURCES, INC. | 4 | 0.7% | — |
| 28 | POLARIS HOME FUNDING CORP. | 4 | 0.7% | — |
| 29 | TAMMAC HOLDINGS CORPORATION | 4 | 0.7% | — |
| 30 | CARRINGTON MORTGAGE SERVICES, LLC | 4 | 0.7% | — |
| 31 | Fifth Third Bank, National Association 62 out of 100, Moderate | 4 | 0.7% | 34.0% |
| 32 | Coastal Community Bank 35 out of 100, Low | 4 | 0.7% | 3.0% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 3 | 0.5% | 32.9% |
| 34 | Truist Bank 63 out of 100, Moderate | 3 | 0.5% | 40.8% |
| 35 | Loandepot.Com, LLC | 3 | 0.5% | — |
| 36 | CROSSCOUNTRY MORTGAGE, INC. | 3 | 0.5% | — |
| 37 | REPUBLIC STATE MORTGAGE CO. | 3 | 0.5% | — |
| 38 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 39 | Central Bank & Trust Company 76 out of 100, Strong | 3 | 0.5% | 9.9% |
| 40 | Farm Credit Mid-America | 3 | 0.5% | — |
Top 40 of 91 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