Kentucky · HMDA 2025
Mortgage lenders in Rowan County, KY
125 lenders reported 737 home-loan applications in Rowan County in 2025. 328 closed as loans ($64.5M), 201 were denied — a 36.3% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 28% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 737
- Loans originated
- 328
- Purchase / refinance
- 184 / 82
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Rowan County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 105 | 14.2% | — |
| 2 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 54 | 7.3% | 21.5% |
| 3 | 21st Mortgage Corporation | 44 | 6.0% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 36 | 4.9% | 39.5% |
| 5 | First Grayson Bancorp, Inc. 79 out of 100, Strong | 34 | 4.6% | 24.0% |
| 6 | Whitaker Bank | 34 | 4.6% | — |
| 7 | Rocket Mortgage, LLC | 32 | 4.3% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 3.3% | — |
| 9 | PENNYMAC LOAN SERVICES, LLC | 12 | 1.6% | — |
| 10 | Navy Federal Credit Union 66 out of 100, Moderate | 11 | 1.5% | 32.9% |
| 11 | Mortgage Research Center, LLC | 11 | 1.5% | — |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 1.5% | — |
| 13 | AmeriSave Mortgage Corporation | 10 | 1.4% | — |
| 14 | UNION HOME MORTGAGE CORP. | 10 | 1.4% | — |
| 15 | Community Trust Bank, Inc. 80 out of 100, Strong | 9 | 1.2% | 13.9% |
| 16 | FREEDOM MORTGAGE CORPORATION | 9 | 1.2% | — |
| 17 | STOCKTON MORTGAGE CORPORATION | 9 | 1.2% | — |
| 18 | Broker Solutions, Inc. | 7 | 0.9% | — |
| 19 | COMMONWEALTH | 7 | 0.9% | — |
| 20 | UNIVERSITY OF KENTUCKY | 7 | 0.9% | — |
| 21 | Northpointe Bank 58 out of 100, Moderate | 7 | 0.9% | 10.4% |
| 22 | EVERETT FINANCIAL, INC. | 7 | 0.9% | — |
| 23 | NEWREZ LLC | 6 | 0.8% | — |
| 24 | FIGURE LENDING LLC | 6 | 0.8% | — |
| 25 | CHAMPIONS FUNDING, LLC | 6 | 0.8% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 6 | 0.8% | 3.0% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 0.7% | 14.1% |
| 28 | AMERICAN FINANCIAL RESOURCES, INC. | 5 | 0.7% | — |
| 29 | PLANET HOME LENDING, LLC | 5 | 0.7% | — |
| 30 | Peoples Bank of Kentucky, Inc. | 5 | 0.7% | — |
| 31 | City National Bank of West Virginia 78 out of 100, Strong | 5 | 0.7% | 27.3% |
| 32 | NEW DAY FINANCIAL, LLC | 5 | 0.7% | — |
| 33 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 5 | 0.7% | 74.7% |
| 34 | DEEPHAVEN MORTGAGE LLC | 5 | 0.7% | — |
| 35 | Citizens Bank, National Association 54 out of 100, Below average | 4 | 0.5% | 32.5% |
| 36 | MOVEMENT MORTGAGE, LLC | 4 | 0.5% | — |
| 37 | Discover Bank | 4 | 0.5% | — |
| 38 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 0.5% | — |
| 39 | TRIAD FINANCIAL SERVICES, INC. | 4 | 0.5% | — |
| 40 | SPRING EQ, LLC | 4 | 0.5% | — |
Top 40 of 125 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