Kentucky · HMDA 2025
Mortgage lenders in Russell County, KY
116 lenders reported 610 home-loan applications in Russell County in 2025. 292 closed as loans ($52.9M), 147 were denied — a 32.6% 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.. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 610
- Loans originated
- 292
- Purchase / refinance
- 167 / 84
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Russell County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 88 | 14.4% | — |
| 2 | The Citizens National Bank of Somerset 75 out of 100, Strong | 45 | 7.4% | 11.3% |
| 3 | Community Trust Bank, Inc. 80 out of 100, Strong | 38 | 6.2% | 13.9% |
| 4 | Rocket Mortgage, LLC | 36 | 5.9% | — |
| 5 | Broker Solutions, Inc. | 27 | 4.4% | — |
| 6 | 21st Mortgage Corporation | 24 | 3.9% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 15 | 2.5% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 14 | 2.3% | — |
| 9 | Mortgage Research Center, LLC | 13 | 2.1% | — |
| 10 | The Monticello Banking Company 71 out of 100, Strong | 13 | 2.1% | 18.6% |
| 11 | Magnolia Bank, Incorporated 49 out of 100, Below average | 11 | 1.8% | 10.3% |
| 12 | L & N Federal Credit Union 72 out of 100, Strong | 10 | 1.6% | 8.7% |
| 13 | Fifth Third Bank, National Association 62 out of 100, Moderate | 10 | 1.6% | 34.0% |
| 14 | NEW DAY FINANCIAL, LLC | 9 | 1.5% | — |
| 15 | STOCKTON MORTGAGE CORPORATION | 9 | 1.5% | — |
| 16 | NEWREZ LLC | 8 | 1.3% | — |
| 17 | AmeriSave Mortgage Corporation | 8 | 1.3% | — |
| 18 | TRIAD FINANCIAL SERVICES, INC. | 8 | 1.3% | — |
| 19 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 1.1% | 32.9% |
| 20 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 1.1% | 14.1% |
| 21 | CROSSCOUNTRY MORTGAGE, INC. | 7 | 1.1% | — |
| 22 | Abound Federal Credit Union 81 out of 100, Strong | 7 | 1.1% | 18.6% |
| 23 | MUTUAL OF OMAHA MORTGAGE, INC. | 7 | 1.1% | — |
| 24 | PLANET HOME LENDING, LLC | 6 | 1.0% | — |
| 25 | COMMONWEALTH | 6 | 1.0% | — |
| 26 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 1.0% | 74.7% |
| 27 | Loandepot.Com, LLC | 5 | 0.8% | — |
| 28 | Farm Credit Mid-America | 5 | 0.8% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 5 | 0.8% | — |
| 30 | Northpointe Bank 58 out of 100, Moderate | 5 | 0.8% | 10.4% |
| 31 | Truist Bank 63 out of 100, Moderate | 4 | 0.7% | 40.8% |
| 32 | MOVEMENT MORTGAGE, LLC | 4 | 0.7% | — |
| 33 | Regions Bank 64 out of 100, Moderate | 4 | 0.7% | 43.1% |
| 34 | AMERICAN FINANCING CORPORATION | 4 | 0.7% | — |
| 35 | NATIONSTAR MORTGAGE LLC | 4 | 0.7% | — |
| 36 | UNIVERSITY OF KENTUCKY | 4 | 0.7% | — |
| 37 | The Huntington National Bank 59 out of 100, Moderate | 3 | 0.5% | 31.6% |
| 38 | Discover Bank | 3 | 0.5% | — |
| 39 | PNC Bank, National Association 62 out of 100, Moderate | 3 | 0.5% | 33.8% |
| 40 | Bank of America, National Association 59 out of 100, Moderate | 3 | 0.5% | 44.7% |
Top 40 of 116 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