Kentucky · HMDA 2025
Mortgage lenders in Spencer County, KY
153 lenders reported 1,109 home-loan applications in Spencer County in 2025. 647 closed as loans ($159.6M), 146 were denied — a 17.7% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 17% of applications, led by Rocket Mortgage, LLC. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,109
- Loans originated
- 647
- Purchase / refinance
- 266 / 236
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Spencer County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Rocket Mortgage, LLC | 78 | 7.0% | — |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLC | 55 | 5.0% | — |
| 3 | PENNYMAC LOAN SERVICES, LLC | 51 | 4.6% | — |
| 4 | German American Bank 75 out of 100, Strong | 51 | 4.6% | 17.2% |
| 5 | The Peoples Bank 74 out of 100, Strong | 50 | 4.5% | 6.7% |
| 6 | Northpointe Bank 58 out of 100, Moderate | 45 | 4.1% | 10.4% |
| 7 | PNC Bank, National Association 62 out of 100, Moderate | 35 | 3.2% | 33.8% |
| 8 | Fifth Third Bank, National Association 62 out of 100, Moderate | 35 | 3.2% | 34.0% |
| 9 | L & N Federal Credit Union 72 out of 100, Strong | 29 | 2.6% | 8.7% |
| 10 | U.S. Bank National Association 55 out of 100, Moderate | 28 | 2.5% | 39.5% |
| 11 | FREEDOM MORTGAGE CORPORATION | 27 | 2.4% | — |
| 12 | AMERIHOME MORTGAGE COMPANY, LLC | 20 | 1.8% | — |
| 13 | Republic Bank & Trust Company 84 out of 100, Strong | 20 | 1.8% | 12.6% |
| 14 | Fairway Independent Mortgage Corporation | 19 | 1.7% | — |
| 15 | NEWREZ LLC | 18 | 1.6% | — |
| 16 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 18 | 1.6% | 14.1% |
| 17 | SPRING EQ, LLC | 18 | 1.6% | — |
| 18 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 17 | 1.5% | 21.5% |
| 19 | COMMONWEALTH | 17 | 1.5% | — |
| 20 | INTERLINC MORTGAGE SERVICES, LLC | 16 | 1.4% | — |
| 21 | AmeriSave Mortgage Corporation | 13 | 1.2% | — |
| 22 | UNION HOME MORTGAGE CORP. | 13 | 1.2% | — |
| 23 | THE LOAN STORE, INC. | 11 | 1.0% | — |
| 24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 11 | 1.0% | — |
| 25 | PLANET HOME LENDING, LLC | 10 | 0.9% | — |
| 26 | Prosperity Home Mortgage, LLC | 10 | 0.9% | — |
| 27 | WesBanco Bank, Inc. 66 out of 100, Moderate | 10 | 0.9% | 20.1% |
| 28 | First Financial Bank 68 out of 100, Moderate | 10 | 0.9% | 24.9% |
| 29 | Truist Bank 63 out of 100, Moderate | 9 | 0.8% | 40.8% |
| 30 | GUARANTEED RATE, INC. | 9 | 0.8% | — |
| 31 | Paramount Residential Mortgage Group, Inc. | 9 | 0.8% | — |
| 32 | Liberty | 9 | 0.8% | — |
| 33 | Farm Credit Mid-America | 9 | 0.8% | — |
| 34 | Park Federal Credit Union 63 out of 100, Moderate | 9 | 0.8% | 18.5% |
| 35 | NEW DAY FINANCIAL, LLC | 9 | 0.8% | — |
| 36 | First Harrison Bank 75 out of 100, Strong | 9 | 0.8% | 11.3% |
| 37 | Traditional Bank, Inc. 73 out of 100, Strong | 8 | 0.7% | 10.6% |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 7 | 0.6% | 32.9% |
| 39 | Citizens Bank, National Association 54 out of 100, Below average | 7 | 0.6% | 32.5% |
| 40 | Mortgage Research Center, LLC | 7 | 0.6% | — |
Top 40 of 153 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