Kentucky · HMDA 2025
Mortgage lenders in Union County, KY
76 lenders reported 323 home-loan applications in Union County in 2025. 150 closed as loans ($20.8M), 64 were denied — a 28.6% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 26% of applications, led by Fifth Third Bank, National Association. 10 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 323
- Loans originated
- 150
- Purchase / refinance
- 74 / 45
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Union County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Fifth Third Bank, National Association 62 out of 100, Moderate | 50 | 15.5% | 34.0% |
| 2 | PENNYMAC LOAN SERVICES, LLC | 17 | 5.3% | — |
| 3 | DAS Acquisition Company, LLC | 17 | 5.3% | — |
| 4 | Liberty | 16 | 5.0% | — |
| 5 | NEWREZ LLC | 12 | 3.7% | — |
| 6 | Rocket Mortgage, LLC | 11 | 3.4% | — |
| 7 | Old National Bank 59 out of 100, Moderate | 11 | 3.4% | 22.1% |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 10 | 3.1% | — |
| 9 | Mortgage Research Center, LLC | 10 | 3.1% | — |
| 10 | STOCKTON MORTGAGE CORPORATION | 10 | 3.1% | — |
| 11 | AmeriSave Mortgage Corporation | 9 | 2.8% | — |
| 12 | 21st Mortgage Corporation | 8 | 2.5% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 8 | 2.5% | — |
| 14 | Planters Bank, Inc. 77 out of 100, Strong | 8 | 2.5% | 0.9% |
| 15 | Broker Solutions, Inc. | 7 | 2.2% | — |
| 16 | Farmers Bank and Trust Company 74 out of 100, Strong | 6 | 1.9% | 10.5% |
| 17 | MORTGAGE MASTERS OF INDIANA, INC. | 5 | 1.5% | — |
| 18 | FREEDOM MORTGAGE CORPORATION | 5 | 1.5% | — |
| 19 | Luminate Bank 47 out of 100, Below average | 5 | 1.5% | 4.3% |
| 20 | Loandepot.Com, LLC | 4 | 1.2% | — |
| 21 | Heritage Federal Credit Union 77 out of 100, Strong | 4 | 1.2% | 21.5% |
| 22 | CHURCHILL MORTGAGE CORPORATION | 4 | 1.2% | — |
| 23 | FIELD & MAIN BANK, INC. | 4 | 1.2% | — |
| 24 | UNION HOME MORTGAGE CORP. | 4 | 1.2% | — |
| 25 | PHH Mortgage Corporation | 4 | 1.2% | — |
| 26 | U.S. Bank National Association 55 out of 100, Moderate | 3 | 0.9% | 39.5% |
| 27 | AMERICAN FINANCIAL RESOURCES, INC. | 3 | 0.9% | — |
| 28 | Independence Bank of Kentucky | 3 | 0.9% | — |
| 29 | PLANET HOME LENDING, LLC | 3 | 0.9% | — |
| 30 | NATIONSTAR MORTGAGE LLC | 3 | 0.9% | — |
| 31 | NEW DAY FINANCIAL, LLC | 3 | 0.9% | — |
| 32 | Coastal Community Bank 35 out of 100, Low | 3 | 0.9% | 3.0% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.6% | 32.9% |
| 34 | SPRING EQ, LLC | 2 | 0.6% | — |
| 35 | Renasant Bank 64 out of 100, Moderate | 2 | 0.6% | 11.6% |
| 36 | SOFI BANK, NATIONAL ASSOCIATION | 2 | 0.6% | — |
| 37 | AMERICAN FINANCING CORPORATION | 2 | 0.6% | — |
| 38 | COUNTRYPLACE MORTGAGE, LTD. | 2 | 0.6% | — |
| 39 | Servion, Inc. | 2 | 0.6% | — |
| 40 | GERSHMAN INVESTMENT CORP. | 2 | 0.6% | — |
Top 40 of 76 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