Kentucky · HMDA 2025
Mortgage lenders in Washington County, KY
93 lenders reported 389 home-loan applications in Washington County in 2025. 187 closed as loans ($35.7M), 83 were denied — a 29.5% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 19% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 20 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 389
- Loans originated
- 187
- Purchase / refinance
- 105 / 48
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Washington County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 28 | 7.2% | — |
| 2 | Truist Bank 63 out of 100, Moderate | 23 | 5.9% | 40.8% |
| 3 | Rocket Mortgage, LLC | 23 | 5.9% | — |
| 4 | STOCKTON MORTGAGE CORPORATION | 22 | 5.7% | — |
| 5 | U.S. Bank National Association 55 out of 100, Moderate | 18 | 4.6% | 39.5% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 16 | 4.1% | — |
| 7 | Abound Federal Credit Union 81 out of 100, Strong | 14 | 3.6% | 18.6% |
| 8 | COMMONWEALTH | 12 | 3.1% | — |
| 9 | 21st Mortgage Corporation | 11 | 2.8% | — |
| 10 | Broker Solutions, Inc. | 11 | 2.8% | — |
| 11 | Community Trust Bank, Inc. 80 out of 100, Strong | 10 | 2.6% | 13.9% |
| 12 | Loandepot.Com, LLC | 9 | 2.3% | — |
| 13 | NEWREZ LLC | 8 | 2.1% | — |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 2.1% | — |
| 15 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 1.8% | 33.8% |
| 16 | Mortgage Research Center, LLC | 7 | 1.8% | — |
| 17 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 6 | 1.5% | 21.5% |
| 18 | SOUTH CENTRAL BANK, INC. 72 out of 100, Strong | 6 | 1.5% | 7.5% |
| 19 | AmeriSave Mortgage Corporation | 5 | 1.3% | — |
| 20 | Farm Credit Mid-America | 5 | 1.3% | — |
| 21 | L & N Federal Credit Union 72 out of 100, Strong | 5 | 1.3% | 8.7% |
| 22 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 5 | 1.3% | 74.7% |
| 23 | Town & Country Bank and Trust Company | 5 | 1.3% | — |
| 24 | The Lincoln National Bank of Hodgenville 86 out of 100, Very strong | 5 | 1.3% | 6.8% |
| 25 | Magnolia Bank, Incorporated 49 out of 100, Below average | 5 | 1.3% | 10.3% |
| 26 | CROSSCOUNTRY MORTGAGE, INC. | 4 | 1.0% | — |
| 27 | PLANET HOME LENDING, LLC | 4 | 1.0% | — |
| 28 | T2 FINANCIAL LLC | 4 | 1.0% | — |
| 29 | Coastal Community Bank 35 out of 100, Low | 4 | 1.0% | 3.0% |
| 30 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 3 | 0.8% | 14.1% |
| 31 | FREEDOM MORTGAGE CORPORATION | 3 | 0.8% | — |
| 32 | FirstBank 59 out of 100, Moderate | 3 | 0.8% | 42.8% |
| 33 | BAY EQUITY LLC | 3 | 0.8% | — |
| 34 | UNION HOME MORTGAGE CORP. | 3 | 0.8% | — |
| 35 | Northpointe Bank 58 out of 100, Moderate | 3 | 0.8% | 10.4% |
| 36 | WesBanco Bank, Inc. 66 out of 100, Moderate | 3 | 0.8% | 20.1% |
| 37 | Fifth Third Bank, National Association 62 out of 100, Moderate | 3 | 0.8% | 34.0% |
| 38 | The Huntington National Bank 59 out of 100, Moderate | 2 | 0.5% | 31.6% |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.5% | 32.9% |
| 40 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.5% | 32.5% |
Top 40 of 93 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