Kentucky · HMDA 2025
Mortgage lenders in Wayne County, KY
103 lenders reported 522 home-loan applications in Wayne County in 2025. 263 closed as loans ($41.3M), 109 were denied — a 28.2% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 22% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 522
- Loans originated
- 263
- Purchase / refinance
- 132 / 92
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Wayne County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 42 | 8.0% | — |
| 2 | The Monticello Banking Company 71 out of 100, Strong | 42 | 8.0% | 18.6% |
| 3 | Rocket Mortgage, LLC | 32 | 6.1% | — |
| 4 | 21st Mortgage Corporation | 31 | 5.9% | — |
| 5 | First Southern National Bank | 31 | 5.9% | — |
| 6 | The Citizens National Bank of Somerset 75 out of 100, Strong | 27 | 5.2% | 11.3% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 24 | 4.6% | — |
| 8 | Truist Bank 63 out of 100, Moderate | 14 | 2.7% | 40.8% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 13 | 2.5% | — |
| 10 | Broker Solutions, Inc. | 12 | 2.3% | — |
| 11 | Mortgage Research Center, LLC | 12 | 2.3% | — |
| 12 | AmeriSave Mortgage Corporation | 11 | 2.1% | — |
| 13 | FirstBank 59 out of 100, Moderate | 10 | 1.9% | 42.8% |
| 14 | U.S. Bank National Association 55 out of 100, Moderate | 9 | 1.7% | 39.5% |
| 15 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 9 | 1.7% | 74.7% |
| 16 | Community Trust Bank, Inc. 80 out of 100, Strong | 8 | 1.5% | 13.9% |
| 17 | PLANET HOME LENDING, LLC | 8 | 1.5% | — |
| 18 | L & N Federal Credit Union 72 out of 100, Strong | 7 | 1.3% | 8.7% |
| 19 | NEW DAY FINANCIAL, LLC | 7 | 1.3% | — |
| 20 | United Cumberland Bank 71 out of 100, Strong | 7 | 1.3% | 12.7% |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 6 | 1.1% | 22.2% |
| 22 | Loandepot.Com, LLC | 6 | 1.1% | — |
| 23 | REPUBLIC STATE MORTGAGE CO. | 6 | 1.1% | — |
| 24 | NATIONSTAR MORTGAGE LLC | 6 | 1.1% | — |
| 25 | VILLAGE CAPITAL & INVESTMENT LLC | 6 | 1.1% | — |
| 26 | Coastal Community Bank 35 out of 100, Low | 6 | 1.1% | 3.0% |
| 27 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 5 | 1.0% | 14.1% |
| 28 | LAKEVIEW LOAN SERVICING, LLC | 5 | 1.0% | — |
| 29 | UNIVERSITY OF KENTUCKY | 5 | 1.0% | — |
| 30 | The Huntington National Bank 59 out of 100, Moderate | 4 | 0.8% | 31.6% |
| 31 | TRIAD FINANCIAL SERVICES, INC. | 4 | 0.8% | — |
| 32 | COMMONWEALTH | 4 | 0.8% | — |
| 33 | NEWREZ LLC | 3 | 0.6% | — |
| 34 | Citizens Bank, National Association 54 out of 100, Below average | 3 | 0.6% | 32.5% |
| 35 | GUARANTEED RATE, INC. | 3 | 0.6% | — |
| 36 | SPRING EQ, LLC | 3 | 0.6% | — |
| 37 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 3 | 0.6% | 21.5% |
| 38 | Farm Credit Mid-America | 3 | 0.6% | — |
| 39 | SUN WEST MORTGAGE COMPANY, INC. | 3 | 0.6% | — |
| 40 | FREEDOM MORTGAGE CORPORATION | 3 | 0.6% | — |
Top 40 of 103 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