Kentucky · HMDA 2025
Mortgage lenders in Whitley County, KY
125 lenders reported 1,409 home-loan applications in Whitley County in 2025. 547 closed as loans ($85.6M), 421 were denied — a 41.3% denial rate on decided applications, above the Kentucky rate of 23.3%. The three most active lenders handled 45% of applications, led by VANDERBILT MORTGAGE AND FINANCE, INC.. 11 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,409
- Loans originated
- 547
- Purchase / refinance
- 315 / 122
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Whitley County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | VANDERBILT MORTGAGE AND FINANCE, INC. | 382 | 27.1% | — |
| 2 | Community Trust Bank, Inc. 80 out of 100, Strong | 148 | 10.5% | 13.9% |
| 3 | L & N Federal Credit Union 72 out of 100, Strong | 100 | 7.1% | 8.7% |
| 4 | 21st Mortgage Corporation | 79 | 5.6% | — |
| 5 | Rocket Mortgage, LLC | 56 | 4.0% | — |
| 6 | PENNYMAC LOAN SERVICES, LLC | 40 | 2.8% | — |
| 7 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 34 | 2.4% | 74.7% |
| 8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 27 | 1.9% | — |
| 9 | TRIAD FINANCIAL SERVICES, INC. | 25 | 1.8% | — |
| 10 | Mortgage Research Center, LLC | 23 | 1.6% | — |
| 11 | FirstBank 59 out of 100, Moderate | 23 | 1.6% | 42.8% |
| 12 | PIKE CREEK MORTGAGE SERVICES, INC. | 23 | 1.6% | — |
| 13 | PLANET HOME LENDING, LLC | 19 | 1.3% | — |
| 14 | PNC Bank, National Association 62 out of 100, Moderate | 16 | 1.1% | 33.8% |
| 15 | Equity Prime Mortgage LLC | 16 | 1.1% | — |
| 16 | POLARIS HOME FUNDING CORP. | 14 | 1.0% | — |
| 17 | Forcht Bank, National Association | 14 | 1.0% | — |
| 18 | NEWREZ LLC | 13 | 0.9% | — |
| 19 | Broker Solutions, Inc. | 13 | 0.9% | — |
| 20 | Magnolia Bank, Incorporated 49 out of 100, Below average | 13 | 0.9% | 10.3% |
| 21 | AMERIHOME MORTGAGE COMPANY, LLC | 11 | 0.8% | — |
| 22 | AmeriSave Mortgage Corporation | 10 | 0.7% | — |
| 23 | LAKEVIEW LOAN SERVICING, LLC | 10 | 0.7% | — |
| 24 | Y-12 Federal Credit Union 70 out of 100, Strong | 9 | 0.6% | 34.4% |
| 25 | COMMONWEALTH | 9 | 0.6% | — |
| 26 | EVERETT FINANCIAL, INC. | 9 | 0.6% | — |
| 27 | UNITED SHORE FINANCIAL SERVICES, LLC | 8 | 0.6% | — |
| 28 | Discover Bank | 8 | 0.6% | — |
| 29 | UBank 73 out of 100, Strong | 8 | 0.6% | 9.6% |
| 30 | Cumberland Valley National Bank & Trust Company 69 out of 100, Moderate | 8 | 0.6% | 10.9% |
| 31 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 7 | 0.5% | 14.1% |
| 32 | SPRING EQ, LLC | 7 | 0.5% | — |
| 33 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.5% | 39.5% |
| 34 | Whitaker Bank | 7 | 0.5% | — |
| 35 | SOUTHWEST STAGE FUNDING, LLC | 7 | 0.5% | — |
| 36 | TOP FLITE FINANCIAL, INC. | 7 | 0.5% | — |
| 37 | NATIONSTAR MORTGAGE LLC | 7 | 0.5% | — |
| 38 | FREEDOM MORTGAGE CORPORATION | 7 | 0.5% | — |
| 39 | GoPrime Mortgage, Inc. | 7 | 0.5% | — |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 6 | 0.4% | — |
Top 40 of 125 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