Mortgage lenders in Scott County
2,004 mortgages were made in Scott County, Kentucky, in 2025, by 227 lenders. The median rate their borrowers got was 6.625% on a median loan of $235,000. Of 2,599 decisions, 495 were denials — 19.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 153 | 6.625% | $225,000 | 12.2% |
| COMMONWEALTH | 131 | 7.250% | $75,000 | 26.3% |
| STOCKTON MORTGAGE CORPORATION | 116 | 6.500% | $290,000 | 3.3% |
| Fifth Third Bank, National Association | 92 | 8.045% | $105,000 | 26.2% |
| UNIVERSITY OF KENTUCKY | 88 | 6.870% | $85,000 | 22.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 87 | 6.625% | $275,000 | 2.3% |
| Central Bank & Trust Company | 62 | 7.000% | $185,000 | 12.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | 6.250% | $295,000 | 7.5% |
| Stock Yards Bank & Trust Company | 54 | 6.500% | $140,000 | 21.4% |
| Guardian Savings Bank | 49 | 6.500% | $285,000 | 12.5% |
| WesBanco Bank, Inc. | 47 | 6.125% | $165,000 | 27.1% |
| Republic Bank & Trust Company | 43 | 6.250% | $185,000 | 10.2% |
| Whitaker Bank | 41 | 6.250% | $135,000 | 18.9% |
| Community Trust Bank, Inc. | 40 | 6.125% | $230,000 | 13.0% |
| FREEDOM MORTGAGE CORPORATION | 36 | 6.188% | $270,000 | 9.8% |
| SOUTH CENTRAL BANK, INC. | 33 | 7.500% | $295,000 | 8.1% |
| Broker Solutions, Inc. | 31 | 6.750% | $255,000 | 8.6% |
| FBC MORTGAGE, LLC | 31 | 6.490% | $375,000 | 0.0% |
| Mortgage Research Center, LLC | 29 | 6.500% | $315,000 | 16.7% |
| Peoples Exchange Bank | 27 | 6.750% | $205,000 | 6.7% |
| U.S. Bank National Association | 26 | 6.875% | $215,000 | 25.7% |
| Luminate Bank | 24 | 6.625% | $310,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 6.990% | $175,000 | 35.1% |
| COMMUNITYAMERICA CREDIT UNION | 22 | 6.813% | $155,000 | 33.3% |
| JPMorgan Chase Bank, National Association | 21 | 6.490% | $255,000 | 12.0% |
| PNC Bank, National Association | 20 | 7.400% | $105,000 | 46.0% |
| LOWER, LLC | 20 | 6.500% | $270,000 | 0.0% |
| T2 FINANCIAL LLC | 20 | 6.500% | $290,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 8.438% | $80,000 | 28.0% |
| MORTGAGE INVESTORS GROUP, INC. | 16 | 6.625% | $285,000 | 5.9% |
| Loandepot.Com, LLC | 15 | 6.875% | $195,000 | 20.0% |
| Citizens Bank, National Association | 15 | 6.875% | $215,000 | 5.9% |
| Farm Credit Mid-America | 14 | 7.125% | $355,000 | 6.7% |
| Traditional Bank, Inc. | 14 | 7.375% | $285,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 14 | 5.995% | $260,000 | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 13 | 6.375% | $265,000 | 7.1% |
| Navy Federal Credit Union | 12 | 6.875% | $260,000 | 40.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.313% | $320,000 | 14.3% |
| DHI MORTGAGE COMPANY, LTD. | 11 | 4.990% | $345,000 | 8.3% |
| Ixonia Bank | 10 | 6.750% | $265,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.558% | $290,000 | 9.1% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.250% | $225,000 | 28.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 9 | Under 10 loans | Under 10 loans | 9.1% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 52.9% |
| RUOFF MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS HERITAGE Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bank of Lexington, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Park Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| German American Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Peoples Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Monticello Banking Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 73.7% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 35.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 11.1% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 72.7% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Bank of the Bluegrass and Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Lendage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Health and Education Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 87.8% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 86.7% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 75.0% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 35.7% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIELD & MAIN BANK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL KENTUCKY AGRICULTURAL CREDIT ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BERKELEY POINT CAPITAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cumberland Valley National Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Grayson Bancorp, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DESCO | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOME TOWN FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bedford Loan & Deposit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Somerset | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRANSCEND Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Home Savings and Loan Company of Kenton, Ohio | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Springfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Zippy Loans, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ENDEAVOR CAPITAL, LLC. | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 27 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Scott County
16 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Whitaker Bank | 3 | $188.8 million |
| WesBanco Bank, Inc. | 2 | $268.0 million |
| Central Bank & Trust Co. | 2 | $166.5 million |
| Stock Yards Bank & Trust Company | 2 | $92.1 million |
| Community Trust Bank, Inc. | 2 | $51.7 million |
| Fifth Third Bank, National Association | 1 | $97.5 million |
| Republic Bank & Trust Company | 1 | $46.2 million |
| PNC Bank, National Association | 1 | $41.5 million |
| Peoples Exchange Bank | 1 | $30.2 million |
| Peoples Bank | 1 | $18.1 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- WesBanco Bank, Inc., 100 Farmers Bank Sq, Georgetown
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When the next year’s lending figures are out for Scott County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.