Kentucky · HMDA 2025
Mortgage lenders in Shelby County, KY
201 lenders reported 2,513 home-loan applications in Shelby County in 2025. 1,407 closed as loans ($384.5M), 364 were denied — a 20.0% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by COMMONWEALTH. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 2,513
- Loans originated
- 1,407
- Purchase / refinance
- 674 / 402
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Shelby County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | COMMONWEALTH | 163 | 6.5% | — |
| 2 | German American Bank 75 out of 100, Strong | 114 | 4.5% | 17.2% |
| 3 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 113 | 4.5% | 21.5% |
| 4 | Rocket Mortgage, LLC | 108 | 4.3% | — |
| 5 | Fifth Third Bank, National Association 62 out of 100, Moderate | 105 | 4.2% | 34.0% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 103 | 4.1% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 96 | 3.8% | — |
| 8 | Traditional Bank, Inc. 73 out of 100, Strong | 77 | 3.1% | 10.6% |
| 9 | Republic Bank & Trust Company 84 out of 100, Strong | 74 | 2.9% | 12.6% |
| 10 | VANDERBILT MORTGAGE AND FINANCE, INC. | 70 | 2.8% | — |
| 11 | Independence Bank of Kentucky | 64 | 2.5% | — |
| 12 | Northpointe Bank 58 out of 100, Moderate | 63 | 2.5% | 10.4% |
| 13 | First Financial Bank 68 out of 100, Moderate | 54 | 2.1% | 24.9% |
| 14 | FREEDOM MORTGAGE CORPORATION | 52 | 2.1% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 50 | 2.0% | 14.1% |
| 16 | VICTORY MORTGAGE, L.L.C. | 39 | 1.6% | — |
| 17 | NEWREZ LLC | 36 | 1.4% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 34 | 1.4% | — |
| 19 | DHI MORTGAGE COMPANY, LTD. | 33 | 1.3% | — |
| 20 | U.S. Bank National Association 55 out of 100, Moderate | 31 | 1.2% | 39.5% |
| 21 | PNC Bank, National Association 62 out of 100, Moderate | 30 | 1.2% | 33.8% |
| 22 | Fairway Independent Mortgage Corporation | 28 | 1.1% | — |
| 23 | Mortgage Research Center, LLC | 27 | 1.1% | — |
| 24 | UNIVERSITY OF KENTUCKY | 27 | 1.1% | — |
| 25 | PLANET HOME LENDING, LLC | 26 | 1.0% | — |
| 26 | PULTE MORTGAGE LLC | 25 | 1.0% | — |
| 27 | L & N Federal Credit Union 72 out of 100, Strong | 25 | 1.0% | 8.7% |
| 28 | AMERIHOME MORTGAGE COMPANY, LLC | 24 | 1.0% | — |
| 29 | Citizens Bank, National Association 54 out of 100, Below average | 23 | 0.9% | 32.5% |
| 30 | Broker Solutions, Inc. | 22 | 0.9% | — |
| 31 | AmeriSave Mortgage Corporation | 22 | 0.9% | — |
| 32 | Farm Credit Mid-America | 19 | 0.8% | — |
| 33 | STOCKTON MORTGAGE CORPORATION | 19 | 0.8% | — |
| 34 | LAKEVIEW LOAN SERVICING, LLC | 18 | 0.7% | — |
| 35 | CROSSCOUNTRY MORTGAGE, INC. | 17 | 0.7% | — |
| 36 | EMM LOANS LLC | 17 | 0.7% | — |
| 37 | Magnolia Bank, Incorporated 49 out of 100, Below average | 17 | 0.7% | 10.3% |
| 38 | SPRING EQ, LLC | 16 | 0.6% | — |
| 39 | THE LOAN STORE, INC. | 16 | 0.6% | — |
| 40 | Coastal Community Bank 35 out of 100, Low | 16 | 0.6% | 3.0% |
Top 40 of 201 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