Kentucky · HMDA 2025
Mortgage lenders in Woodford County, KY
163 lenders reported 1,220 home-loan applications in Woodford County in 2025. 693 closed as loans ($162.3M), 185 were denied — a 20.5% denial rate on decided applications, below the Kentucky rate of 23.3%. The three most active lenders handled 22% of applications, led by City National Bank of West Virginia. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,220
- Loans originated
- 693
- Purchase / refinance
- 281 / 241
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Woodford County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | City National Bank of West Virginia 78 out of 100, Strong | 103 | 8.4% | 27.3% |
| 2 | COMMONWEALTH | 97 | 8.0% | — |
| 3 | Rocket Mortgage, LLC | 73 | 6.0% | — |
| 4 | UNIVERSITY OF KENTUCKY | 60 | 4.9% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 49 | 4.0% | — |
| 6 | Community Trust Bank, Inc. 80 out of 100, Strong | 46 | 3.8% | 13.9% |
| 7 | WesBanco Bank, Inc. 66 out of 100, Moderate | 38 | 3.1% | 20.1% |
| 8 | Guardian Savings Bank 83 out of 100, Strong | 36 | 3.0% | 11.5% |
| 9 | STOCKTON MORTGAGE CORPORATION | 36 | 3.0% | — |
| 10 | NEWREZ LLC | 33 | 2.7% | — |
| 11 | Fifth Third Bank, National Association 62 out of 100, Moderate | 32 | 2.6% | 34.0% |
| 12 | PNC Bank, National Association 62 out of 100, Moderate | 30 | 2.5% | 33.8% |
| 13 | Stock Yards Bank & Trust Company 72 out of 100, Strong | 30 | 2.5% | 21.5% |
| 14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 30 | 2.5% | — |
| 15 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 26 | 2.1% | 14.1% |
| 16 | UNITED SHORE FINANCIAL SERVICES, LLC | 19 | 1.6% | — |
| 17 | FREEDOM MORTGAGE CORPORATION | 19 | 1.6% | — |
| 18 | Mortgage Research Center, LLC | 17 | 1.4% | — |
| 19 | Central Bank & Trust Company 76 out of 100, Strong | 16 | 1.3% | 9.9% |
| 20 | Traditional Bank, Inc. 73 out of 100, Strong | 16 | 1.3% | 10.6% |
| 21 | U.S. Bank National Association 55 out of 100, Moderate | 13 | 1.1% | 39.5% |
| 22 | Republic Bank & Trust Company 84 out of 100, Strong | 13 | 1.1% | 12.6% |
| 23 | Broker Solutions, Inc. | 10 | 0.8% | — |
| 24 | AMERIHOME MORTGAGE COMPANY, LLC | 10 | 0.8% | — |
| 25 | Prosperity Home Mortgage, LLC | 10 | 0.8% | — |
| 26 | NATIONSTAR MORTGAGE LLC | 10 | 0.8% | — |
| 27 | Luminate Bank 47 out of 100, Below average | 10 | 0.8% | 4.3% |
| 28 | LOWER, LLC | 9 | 0.7% | — |
| 29 | Loandepot.Com, LLC | 8 | 0.7% | — |
| 30 | REPUBLIC STATE MORTGAGE CO. | 8 | 0.7% | — |
| 31 | PLANET HOME LENDING, LLC | 8 | 0.7% | — |
| 32 | Farm Credit Mid-America | 8 | 0.7% | — |
| 33 | Bank of Lexington, Inc. 74 out of 100, Strong | 8 | 0.7% | 7.1% |
| 34 | Truist Bank 63 out of 100, Moderate | 7 | 0.6% | 40.8% |
| 35 | Discover Bank | 7 | 0.6% | — |
| 36 | AmeriSave Mortgage Corporation | 7 | 0.6% | — |
| 37 | Ixonia Bank 67 out of 100, Moderate | 7 | 0.6% | 4.7% |
| 38 | CARRINGTON MORTGAGE SERVICES, LLC | 7 | 0.6% | — |
| 39 | VANDERBILT MORTGAGE AND FINANCE, INC. | 6 | 0.5% | — |
| 40 | Whitaker Bank | 6 | 0.5% | — |
Top 40 of 163 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