Mortgage lenders in Kentucky

155 lenders originated 82,958 mortgages in Kentucky in 2025, about 82% of everything lent in the state. What each of them charged.

Lenders here: 155
State median rate: 6.750%
State median fees: $4,473

Every lender that originated at least 1,000 mortgages nationally in 2025 and lent in Kentucky, ranked by loans made here. Together they account for 82% of the 100,653 mortgages originated in the state; the rest came from smaller lenders that fall below the threshold. The last column is how much of each lender's national business is in Kentucky — a local institution and a national one can sit on the same row with very different reasons for being here.

Lender	Loans here	Median fees	Median rate	Share of its book
Rocket Mortgage, LLC	6,049	$4,887	6.750%	1.4%
UNITED SHORE FINANCIAL SERVICES, LLC	5,242	$5,992	6.499%	1.2%
Fifth Third Bank, National Association	3,150	$3,052	7.750%	8.0%
U.S. Bank National Association	2,645	$3,602	7.000%	3.5%
STOCKTON MORTGAGE CORPORATION	2,250	$6,914	6.625%	31.5%
PNC Bank, National Association	2,095	$3,874	7.500%	3.4%
Community Trust Bank, Inc.	2,051	$2,523	6.625%	84.2%
Stock Yards Bank & Trust Company	2,044	$3,493	6.500%	80.5%
COMMONWEALTH	1,869	$2,522	7.250%	98.9%
Liberty	1,792	$3,732	6.625%	30.0%
Mortgage Research Center, LLC	1,786	$4,073	6.250%	2.2%
UNIVERSITY OF KENTUCKY	1,710	—	7.500%	100.0%
L & N Federal Credit Union	1,519	$2,381	7.000%	91.1%
Republic Bank & Trust Company	1,477	$3,493	6.000%	59.7%
Guardian Savings Bank	1,396	$1,390	6.625%	60.4%
Abound Federal Credit Union	1,388	$2,902	7.000%	98.8%
SOUTH CENTRAL BANK, INC.	1,376	$3,284	7.250%	96.4%
FREEDOM MORTGAGE CORPORATION	1,270	$5,613	6.250%	1.8%
First Financial Bank	1,239	$3,622	6.375%	17.5%
Northpointe Bank	1,184	$6,241	6.875%	18.5%
ARK-LA-TEX FINANCIAL SERVICES, LLC.	1,179	$4,327	6.625%	7.7%
Broker Solutions, Inc.	1,165	$7,510	6.625%	2.0%
VANDERBILT MORTGAGE AND FINANCE, INC.	1,150	$6,504	9.500%	5.8%
PENNYMAC LOAN SERVICES, LLC	1,132	$5,208	6.250%	1.1%
German American Bank	1,097	$3,684	7.000%	29.7%
UNION HOME MORTGAGE CORP.	1,069	$5,129	6.500%	2.8%
Independence Bank of Kentucky	1,046	$3,123	7.000%	97.3%
Truist Bank	1,026	$4,119	6.600%	2.5%
JPMorgan Chase Bank, National Association	962	$3,429	6.500%	1.0%
CROSSCOUNTRY MORTGAGE, INC.	914	$5,601	6.750%	0.7%
The Huntington National Bank	903	$3,468	7.125%	1.8%
Magnolia Bank, Incorporated	757	$5,460	6.500%	18.5%
VICTORY MORTGAGE, L.L.C.	753	$3,272	6.000%	29.6%
Navy Federal Credit Union	668	$2,514	6.625%	0.8%
NATIONSTAR MORTGAGE LLC	666	$3,179	7.750%	1.3%
WesBanco Bank, Inc.	645	$4,395	3.990%	10.3%
City National Bank of West Virginia	643	$655	6.290%	21.8%
T2 FINANCIAL LLC	592	$6,853	6.375%	6.4%
Loandepot.Com, LLC	590	$5,403	6.750%	0.6%
NEWREZ LLC	579	$4,699	6.625%	0.9%
Fairway Independent Mortgage Corporation	573	$5,509	6.625%	0.8%
AmeriSave Mortgage Corporation	532	$5,198	7.625%	2.2%
21st Mortgage Corporation	505	$6,188	9.950%	1.8%
EVERETT FINANCIAL, INC.	499	$7,147	6.250%	3.1%
Old National Bank	489	$3,666	6.250%	4.5%
Farm Credit Mid-America	489	$6,030	7.000%	13.2%
Prosperity Home Mortgage, LLC	472	$5,425	6.375%	2.3%
Peoples Bank	465	$2,631	7.250%	21.1%
THE LOAN STORE, INC.	462	$4,700	6.625%	1.2%
LOWER, LLC	452	$7,118	6.562%	2.5%
Luminate Bank	435	$5,951	6.625%	5.2%
KIND LENDING, LLC	419	$7,441	6.625%	1.4%
INTERLINC MORTGAGE SERVICES, LLC	411	$4,722	6.750%	16.9%
ATLANTIC BAY MORTGAGE GROUP, L.L.C.	389	$7,770	6.375%	3.0%
FIRST COMMUNITY MORTGAGE, INC.	386	$6,186	6.490%	3.7%
GUARANTEED RATE, INC.	359	$4,917	6.500%	0.5%
PROVIDENT FUNDING ASSOCIATES, L.P.	328	$3,647	6.375%	2.7%
GERSHMAN INVESTMENT CORP.	328	$3,974	6.375%	7.9%
AMERICAN FINANCIAL RESOURCES, INC.	316	$5,867	6.625%	2.8%
MOVEMENT MORTGAGE, LLC	312	$5,848	6.625%	0.5%
Coastal Community Bank	309	—	10.990%	1.5%
Citizens Bank, National Association	297	$3,558	7.900%	0.4%
Regions Bank	288	$3,044	6.063%	1.0%
Equity Prime Mortgage LLC	288	$7,224	6.625%	2.4%
MUTUAL OF OMAHA MORTGAGE, INC.	287	$8,590	6.625%	1.2%
REPUBLIC STATE MORTGAGE CO.	285	$7,886	6.375%	16.7%
FIRST EQUITY MORTGAGE INCORPORATED	279	$4,160	6.375%	21.8%
FIGURE LENDING LLC	273	—	9.650%	0.8%
PIKE CREEK MORTGAGE SERVICES, INC.	273	$6,679	6.500%	9.7%
SPRING EQ, LLC	270	$1,816	9.525%	0.8%
CARRINGTON MORTGAGE SERVICES, LLC	263	$6,821	6.625%	1.7%
Bank of America, National Association	255	$3,316	6.250%	0.3%
PLANET HOME LENDING, LLC	255	$4,253	6.250%	1.8%
Paramount Residential Mortgage Group, Inc.	249	$6,786	6.625%	1.1%
LAKEVIEW LOAN SERVICING, LLC	248	$4,192	6.500%	1.5%
SUCCESS MORTGAGE PARTNERS, INC.	231	$9,224	6.250%	5.4%
Third Federal Savings and Loan Association of Cleveland	215	—	6.890%	1.0%
NEW DAY FINANCIAL, LLC	212	$9,146	6.990%	2.5%
USAA Federal Savings Bank	210	$4,293	6.438%	1.8%
Ixonia Bank	208	$7,622	6.875%	2.5%
FBC MORTGAGE, LLC	208	$8,872	5.120%	3.5%
DHI MORTGAGE COMPANY, LTD.	204	$7,530	5.500%	0.3%
NFM, INC.	204	$7,822	6.875%	1.1%
CMG MORTGAGE, INC.	196	$6,416	6.625%	0.3%
PLAZA HOME MORTGAGE, INC.	195	$6,185	6.625%	1.3%
RUOFF MORTGAGE COMPANY, INC.	194	$4,872	6.625%	2.0%
Kiavi Funding, Inc.	189	—	9.500%	0.7%
FirstBank	189	$4,807	7.590%	2.6%
Union Savings Bank	178	$1,369	6.625%	2.2%
PULTE MORTGAGE LLC	177	$1,730	5.500%	0.9%
GENERAL ELECTRIC CREDIT UNION	172	—	5.990%	17.1%
SOFI BANK, NATIONAL ASSOCIATION	170	$2,277	7.625%	1.1%
DAS Acquisition Company, LLC	166	$7,091	6.563%	2.2%
BAY EQUITY LLC	166	$4,549	6.750%	3.7%
Lendage, LLC	162	—	10.750%	1.5%
Renasant Bank	161	$5,146	6.375%	1.8%
Click n' Close, Inc.	160	$3,667	7.000%	1.5%
PRIMARY RESIDENTIAL MORTGAGE, INC.	156	$7,128	6.375%	1.6%
Wells Fargo Bank, National Association	152	$4,406	6.375%	0.4%
EMM LOANS LLC	140	$6,625	6.250%	2.1%
MORTGAGE INVESTORS GROUP, INC.	140	$5,672	6.625%	3.1%
Plains Commerce Bank	134	$7,273	6.625%	1.1%
POLARIS HOME FUNDING CORP.	131	$8,195	6.500%	10.7%
First Financial Bank, National Association	130	$219	6.500%	7.9%
CHURCHILL MORTGAGE CORPORATION	128	$5,322	6.250%	2.1%
ROYAL UNITED MORTGAGE LLC	128	$6,471	6.875%	2.6%
PRIMELENDING, A PLAINSCAPITAL COMPANY	127	$5,810	6.625%	0.5%
GoPrime Mortgage, Inc.	127	$5,801	6.500%	8.7%
VILLAGE CAPITAL & INVESTMENT LLC	126	$5,145	5.750%	1.2%
The Federal Savings Bank	121	$7,571	6.500%	1.5%
HOMEBRIDGE FINANCIAL SERVICES, INC.	117	—	9.910%	0.7%
Discover Bank	110	—	8.770%	1.1%
ZILLOW HOME LOANS, LLC	107	$4,799	6.625%	0.7%
A&D Mortgage LLC	101	$5,065	6.625%	0.7%
FIRSTTRUST HOME LOANS, INC.	97	$4,388	6.490%	3.0%
BETTER MORTGAGE CORPORATION	95	$4,235	6.625%	0.7%
MORTGAGE SOLUTIONS OF COLORADO, LLC	94	$4,046	7.500%	1.5%
GUILD MORTGAGE COMPANY	91	$7,382	6.375%	0.1%
AMERIHOME MORTGAGE COMPANY, LLC	90	$4,984	6.438%	1.0%
GENEVA FINANCIAL, LLC	89	$6,175	6.500%	1.6%
GUARANTEED RATE AFFINITY, LLC	86	$5,230	6.625%	0.5%
ENVOY MORTGAGE, LTD	85	$6,867	6.625%	1.5%
TOP FLITE FINANCIAL, INC.	85	$9,583	6.875%	2.8%
DEEPHAVEN MORTGAGE LLC	84	—	7.375%	1.0%
PHH Mortgage Corporation	79	$5,545	6.490%	1.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	77	$9,799	6.500%	0.6%
Mortgage Right	77	$6,958	6.500%	5.0%
TRIAD FINANCIAL SERVICES, INC.	74	—	8.555%	0.5%
AMERICAN FINANCIAL NETWORK, INC.	74	$8,214	7.250%	0.6%
AMERICAN PACIFIC MORTGAGE CORPORATION	72	$7,740	6.933%	0.3%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	70	$6,608	6.750%	0.6%
AMERICAN FINANCING CORPORATION	70	$8,044	6.250%	1.3%
ENDEAVOR CAPITAL, LLC.	70	$8,176	6.375%	3.5%
NBKC BANK	69	$3,320	6.125%	1.0%
Texana Bank, National Association	69	$5,816	6.625%	4.3%
RCN Capital, LLC	66	—	8.198%	0.9%
TOWNE MORTGAGE COMPANY	63	$6,450	6.490%	0.9%
AMERICAN HERITAGE LENDING, LLC	63	—	7.125%	1.4%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation	60	$4,270	6.000%	1.0%
Loan Funder LLC	58	—	7.965%	0.6%
AMWEST FUNDING CORP.	57	—	7.125%	0.5%
First Federal Bank	56	$4,000	5.995%	1.2%
First National Bank of America	56	$8,882	8.750%	2.1%
PENTAGON FEDERAL CREDIT UNION	55	—	7.500%	0.5%
The Park National Bank	55	—	6.630%	1.5%
ALLIANT CREDIT UNION	54	—	6.750%	0.6%
The Dart Bank	54	$7,305	6.500%	1.3%
SUN WEST MORTGAGE COMPANY, INC.	53	—	6.375%	0.6%
ROSS MORTGAGE CORPORATION	53	$8,584	6.625%	5.1%
Flagstar Bank, N.A.	52	—	6.500%	0.5%
BPL MORTGAGE TRUST, LLC	52	—	7.125%	0.7%
COMMUNITYAMERICA CREDIT UNION	52	—	7.037%	0.8%
Pinnacle Bank	51	—	—	0.9%
DOMINION FINANCIAL SERVICES, LLC	51	—	7.750%	1.9%
NVR Mortgage Finance, Inc.	50	$4,043	6.500%	0.3%

Figures are medians of loans actually originated in , as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for % of loans here — see methodology.