Kentucky · HMDA 2025
Mortgage lenders in Scott County, KY
224 lenders reported 3,599 home-loan applications in Scott County in 2025. 2,004 closed as loans ($569.2M), 495 were denied — a 19.0% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by COMMONWEALTH. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 3,599
- Loans originated
- 2,004
- Purchase / refinance
- 1,025 / 572
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Scott County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMONWEALTH | 206 | 5.7% | — |
| 2 | Rocket Mortgage, LLC | 196 | 5.4% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 188 | 5.2% | — |
| 4 | Fifth Third Bank, National Association 62 out of 100, Moderate | 157 | 4.4% | 34.0% |
| 5 | STOCKTON MORTGAGE CORPORATION | 150 | 4.2% | — |
| 6 | UNIVERSITY OF KENTUCKY | 146 | 4.1% | — |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 107 | 3.0% | — |
| 8 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 78 | 2.2% | 21.5% |
| 9 | Central Bank & Trust Company 76 out of 100, Strong | 77 | 2.1% | 9.9% |
| 10 | WesBanco Bank, Inc. 66 out of 100, Moderate | 76 | 2.1% | 20.1% |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLC | 75 | 2.1% | — |
| 12 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 70 | 1.9% | 14.1% |
| 13 | FREEDOM MORTGAGE CORPORATION | 69 | 1.9% | — |
| 14 | AMERIHOME MORTGAGE COMPANY, LLC | 68 | 1.9% | — |
| 15 | VANDERBILT MORTGAGE AND FINANCE, INC. | 63 | 1.8% | — |
| 16 | Whitaker Bank | 62 | 1.7% | — |
| 17 | Guardian Savings Bank 83 out of 100, Strong | 61 | 1.7% | 11.5% |
| 18 | NEWREZ LLC | 59 | 1.6% | — |
| 19 | Mortgage Research Center, LLC | 58 | 1.6% | — |
| 20 | Republic Bank & Trust Company 84 out of 100, Strong | 58 | 1.6% | 12.6% |
| 21 | Broker Solutions, Inc. | 57 | 1.6% | — |
| 22 | Community Trust Bank, Inc. 80 out of 100, Strong | 51 | 1.4% | 13.9% |
| 23 | Citizens Bank, National Association 54 out of 100, Below average | 50 | 1.4% | 32.5% |
| 24 | COMMUNITYAMERICA CREDIT UNION | 48 | 1.3% | — |
| 25 | U.S. Bank National Association 55 out of 100, Moderate | 43 | 1.2% | 39.5% |
| 26 | Peoples Exchange Bank 71 out of 100, Strong | 43 | 1.2% | 15.2% |
| 27 | PNC Bank, National Association 62 out of 100, Moderate | 41 | 1.1% | 33.8% |
| 28 | FBC MORTGAGE, LLC | 40 | 1.1% | — |
| 29 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 38 | 1.1% | 7.5% |
| 30 | NATIONSTAR MORTGAGE LLC | 36 | 1.0% | — |
| 31 | PLANET HOME LENDING, LLC | 34 | 0.9% | — |
| 32 | Bank of America, National Association 59 out of 100, Moderate | 31 | 0.9% | 44.7% |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 29 | 0.8% | — |
| 34 | Luminate Bank 47 out of 100, Below average | 29 | 0.8% | 4.3% |
| 35 | 21st Mortgage Corporation | 26 | 0.7% | — |
| 36 | Navy Federal Credit Union 66 out of 100, Moderate | 25 | 0.7% | 32.9% |
| 37 | Loandepot.Com, LLC | 24 | 0.7% | — |
| 38 | LOWER, LLC | 23 | 0.6% | — |
| 39 | T2 FINANCIAL LLC | 22 | 0.6% | — |
| 40 | AmeriSave Mortgage Corporation | 21 | 0.6% | — |
Top 40 of 224 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
- Oldham County 3,581 apps
- Laurel County 2,745 apps