Kentucky · HMDA 2025
Mortgage lenders in Warren County, KY
271 lenders reported 5,386 home-loan applications in Warren County in 2025. 3,141 closed as loans ($1.0B), 614 were denied — a 15.6% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 16% of applications, led by SOUTH CENTRAL BANK, INC.. 19 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 5,386
- Loans originated
- 3,141
- Purchase / refinance
- 1,672 / 987
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Warren County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 301 | 5.6% | 7.5% |
| 2 | American Bank & Trust Company, Inc. 59 out of 100, Moderate | 285 | 5.3% | 4.2% |
| 3 | PENNYMAC LOAN SERVICES, LLC | 276 | 5.1% | — |
| 4 | U.S. Bank National Association 55 out of 100, Moderate | 261 | 4.8% | 39.5% |
| 5 | Rocket Mortgage, LLC | 238 | 4.4% | — |
| 6 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 225 | 4.2% | — |
| 7 | Liberty | 222 | 4.1% | — |
| 8 | Abound Federal Credit Union 81 out of 100, Strong | 195 | 3.6% | 18.6% |
| 9 | FIRST COMMUNITY MORTGAGE, INC. | 155 | 2.9% | — |
| 10 | Truist Bank 63 out of 100, Moderate | 150 | 2.8% | 40.8% |
| 11 | NEWREZ LLC | 133 | 2.5% | — |
| 12 | German American Bank 75 out of 100, Strong | 122 | 2.3% | 17.2% |
| 13 | FREEDOM MORTGAGE CORPORATION | 105 | 1.9% | — |
| 14 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 86 | 1.6% | 14.1% |
| 15 | UNITED SHORE FINANCIAL SERVICES, LLC | 86 | 1.6% | — |
| 16 | Mortgage Research Center, LLC | 85 | 1.6% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 80 | 1.5% | 33.8% |
| 18 | UNION HOME MORTGAGE CORP. | 78 | 1.4% | — |
| 19 | VANDERBILT MORTGAGE AND FINANCE, INC. | 75 | 1.4% | — |
| 20 | Independence Bank of Kentucky | 75 | 1.4% | — |
| 21 | FBC MORTGAGE, LLC | 73 | 1.4% | — |
| 22 | Edmonton State Bank 82 out of 100, Strong | 72 | 1.3% | 15.9% |
| 23 | STOCKTON MORTGAGE CORPORATION | 69 | 1.3% | — |
| 24 | Citizens Bank, National Association 54 out of 100, Below average | 65 | 1.2% | 32.5% |
| 25 | PLANET HOME LENDING, LLC | 64 | 1.2% | — |
| 26 | FirstBank 59 out of 100, Moderate | 58 | 1.1% | 42.8% |
| 27 | Coastal Community Bank 35 out of 100, Low | 58 | 1.1% | 3.0% |
| 28 | Franklin Bank & Trust Company 75 out of 100, Strong | 57 | 1.1% | 2.3% |
| 29 | Broker Solutions, Inc. | 54 | 1.0% | — |
| 30 | Farmers Bank and Trust Company 74 out of 100, Strong | 51 | 0.9% | 10.5% |
| 31 | Bank of Edmonson County 64 out of 100, Moderate | 51 | 0.9% | 0.7% |
| 32 | First Southern National Bank | 50 | 0.9% | — |
| 33 | NATIONSTAR MORTGAGE LLC | 50 | 0.9% | — |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 46 | 0.9% | — |
| 35 | Pinnacle Bank 60 out of 100, Moderate | 43 | 0.8% | 17.5% |
| 36 | AmeriSave Mortgage Corporation | 41 | 0.8% | — |
| 37 | Magnolia Bank, Incorporated 49 out of 100, Below average | 39 | 0.7% | 10.3% |
| 38 | Navy Federal Credit Union 66 out of 100, Moderate | 37 | 0.7% | 32.9% |
| 39 | KIND LENDING, LLC | 36 | 0.7% | — |
| 40 | Morgantown Bank & Trust Company, Incorporated 63 out of 100, Moderate | 32 | 0.6% | 2.7% |
Top 40 of 271 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
- 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
- Laurel County 2,745 apps