Tier 3 · Development · noindex until quality gates pass · quality score 7/100
Shelby County, Kentucky mortgage market
0 in-county HQ companies. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — Shelby County
Source: 2025 HMDA · Kentucky (KY) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional78.8% · 1,109
- FHA13.4% · 189
- VA6.5% · 92
- USDA / RHS0.0% · 17
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in Shelby County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| COMMONWEALTH FEDERAL CREDIT UNION | 94 | 6.7% |
| German American Bank | 85 | 6.0% |
| Rocket Mortgage, LLC | 83 | 5.9% |
| Stock Yards Bank & Trust Company | 77 | 5.5% |
| United Wholesale Mortgage, LLC | 74 | 5.3% |
| Traditional Bank, Inc. | 63 | 4.5% |
| Eagle Home Mortgage, LLC | 53 | 3.8% |
| Independence Bank of Kentucky | 50 | 3.5% |
| Republic Bank & Trust Company | 45 | 3.2% |
| Northpointe Bank | 39 | 2.8% |
| VICTORY MORTGAGE, L.L.C. | 34 | 2.4% |
| First Financial Bank | 34 | 2.4% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Higher HMDA activity (matched lenders)
From county HMDA extracts when a LEI maps to our directory — not a ranking or recommendation.
No lenders with a confirmed in-county licensed business address are listed yet. Nearby market lenders below may serve borrowers here — they are not in-county locals.
We haven’t listed in-county lenders in Shelby County, Kentucky yet
Shelby County, Kentucky
This county has no confirmed in-county HQ listings in our research directory. We do not pad with far-away offices labeled as local. Re-check any company on NMLS Consumer Access.
Coverage is expanding. We do not invent lenders or claim nationwide county counts we cannot support.
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