Mortgage lenders in Shelby County
1,407 mortgages were made in Shelby County, Kentucky, in 2025, by 203 lenders. The median rate their borrowers got was 6.625% on a median loan of $215,000. Of 1,820 decisions, 364 were denials — 20.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| COMMONWEALTH | 94 | 7.500% | $65,000 | 34.5% |
| German American Bank | 85 | 0.000% | $115,000 | 22.0% |
| Rocket Mortgage, LLC | 83 | 6.990% | $195,000 | 16.0% |
| Stock Yards Bank & Trust Company | 77 | 6.500% | $115,000 | 24.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 74 | 6.452% | $275,000 | 10.8% |
| Traditional Bank, Inc. | 63 | 6.875% | $205,000 | 12.5% |
| Fifth Third Bank, National Association | 53 | 7.500% | $115,000 | 25.4% |
| Independence Bank of Kentucky | 50 | 7.000% | $205,000 | 9.1% |
| Republic Bank & Trust Company | 45 | 5.990% | $175,000 | 9.8% |
| Northpointe Bank | 39 | 6.875% | $265,000 | 4.9% |
| First Financial Bank | 34 | 5.990% | $120,000 | 33.3% |
| VICTORY MORTGAGE, L.L.C. | 34 | 5.750% | $305,000 | 2.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 33 | 5.490% | $305,000 | 32.7% |
| DHI MORTGAGE COMPANY, LTD. | 22 | 5.500% | $290,000 | 21.4% |
| L & N Federal Credit Union | 17 | 7.000% | $195,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 17 | 6.490% | $165,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 16 | 6.813% | $310,000 | 27.3% |
| PULTE MORTGAGE LLC | 16 | 5.375% | $345,000 | 23.8% |
| STOCKTON MORTGAGE CORPORATION | 16 | 6.688% | $250,000 | 0.0% |
| U.S. Bank National Association | 15 | 7.125% | $105,000 | 40.0% |
| UNIVERSITY OF KENTUCKY | 15 | 7.250% | $145,000 | 33.3% |
| EMM LOANS LLC | 14 | 6.625% | $190,000 | 12.5% |
| Magnolia Bank, Incorporated | 14 | 6.813% | $260,000 | 6.7% |
| FREEDOM MORTGAGE CORPORATION | 13 | 6.750% | $345,000 | 14.3% |
| Mortgage Research Center, LLC | 13 | 5.990% | $315,000 | 7.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.575% | $275,000 | 0.0% |
| Farm Credit Mid-America | 12 | 6.975% | $525,000 | 20.0% |
| NATIONSTAR MORTGAGE LLC | 12 | 7.438% | $130,000 | 20.0% |
| Liberty | 12 | 6.500% | $285,000 | 7.7% |
| PNC Bank, National Association | 11 | 7.750% | $145,000 | 45.5% |
| PENNYMAC LOAN SERVICES, LLC | 11 | 7.125% | $225,000 | 12.5% |
| THE LOAN STORE, INC. | 11 | 6.125% | $245,000 | 0.0% |
| NEWREZ LLC | 10 | 5.750% | $305,000 | 16.7% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.875% | $335,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 10 | 6.500% | $395,000 | 0.0% |
| Park Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| The Peoples Bank | 9 | Under 10 loans | Under 10 loans | 23.1% |
| INTERLINC MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 38.5% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 9.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Abound Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 30.0% |
| KIND LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Central Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 71.4% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 75.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| River City Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Harrison Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TRANSCEND Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| United Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ECLIPSE BANK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Meade County Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Farmers Bank of Milton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mabrey Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nicolet National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANZ Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Whitaker Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bedford Loan & Deposit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Paducah Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA MEMBERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| 21st Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CLASS ACT FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Renasant Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MYCUMORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Presidential Bank, FSB | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBER FIRST MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| DOMINION FINANCIAL SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Exchange Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIED MORTGAGE GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| MORTGAGE INVESTORS GROUP, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RELIANCE FIRST CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CANOPY MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 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 | 100.0% |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 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 3 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Shelby County
15 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| German American Bank | 4 | $276.8 million |
| Stock Yards Bank & Trust Company | 4 | $239.6 million |
| Traditional Bank, Inc. | 1 | $157.8 million |
| JPMorgan Chase Bank, National Association | 1 | $105.1 million |
| Republic Bank & Trust Company | 1 | $96.5 million |
| Independence Bank of Kentucky | 1 | $94.4 million |
| Fifth Third Bank, National Association | 1 | $79.4 million |
| First Financial Bank | 1 | $36.8 million |
| U.S. Bank National Association | 1 | $34.0 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- German American Bank, 500 Taylorsville Rd, Shelbyville
- Traditional Bank, Inc., 1939 Midland Trail, Shelbyville
Get told when this changes
When the next year’s lending figures are out for Shelby 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.