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 lending
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.