Mortgage Lenders and Brokers in Ashland, Kentucky
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ashland, Kentucky mortgage lenders include City National Bank of WVCity National Bank of WV9431 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 1.47%, Members Choice Credit UnionMembers Choice Credit Union1315 CANNONSBURG RD, ASHLAND, KY 41102A+5.0 ★Texas Ratio: 5.97%, Kentucky Farmers Bank CorporationKentucky Farmers Bank Corporation835 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 1.41%, Community Trust Bank, Inc.Community Trust Bank, Inc.721 Wheatley Rd, Ashland, KY 41101A+5.0 ★Texas Ratio: 3.53%, Peoples BankPeoples Bank6601 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 3.39%, Fifth Third Bank, National AssociationFifth Third Bank, National Association1422 Winchester Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 3.22%, Citizens Bank of Kentucky, Inc.Citizens Bank of Kentucky, Inc.735 Central Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 3.26%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Ashland Credit UnionAshland Credit Union1300 CENTRAL AVE, ASHLAND, KY 41101 7550A5.0 ★Texas Ratio: 7.03%, and Commercial Bank of GraysonCommercial Bank of Grayson208 E Main St, Grayson, KY 41143B4.6 ★Texas Ratio: 19.32%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ashland, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ashland are listed first, then lenders elsewhere in Kentucky, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ashland, Kentucky
Market share is the lender's share of all home loans closed in Ashland, Kentucky. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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3 offices in Ashland 9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 34 +15 HELOCs |
9.5% | 76.5% | $147,058 | View |
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1315 CANNONSBURG RD, ASHLAND, KY 41102 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 22 | 6.1% | 88.9% | $134,090 | View |
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1 office in Ashland 835 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 1.41% |
Conventional | 15 | 4.2% | 78.9% | $83,000 | View |
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2 offices in Ashland 721 Wheatley Rd, Ashland, KY 41101 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 11 +8 HELOCs |
3.1% | 100% | $127,727 | View |
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2 offices in Ashland 6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
Conventional, FHA, HELOC | 8 +10 HELOCs |
2.2% | 61.5% | $125,000 | View |
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1 office in Ashland 1422 Winchester Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 6 +6 HELOCs |
1.7% | 54.5% | $106,666 | View |
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1 office in Ashland 735 Central Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 4 | 1.1% | 57.1% | $82,500 | View |
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★ 1.7 stars, 3 reviews 1 office in Ashland 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +8 HELOCs |
0.8% | 75% | $141,666 | View |
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1300 CENTRAL AVE, ASHLAND, KY 41101 7550 A5.0 ★Texas Ratio: 7.03% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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208 E Main St, Grayson, KY 41143 B4.6 ★Texas Ratio: 19.32% |
Conventional | 10 | 2.8% | 100% | $82,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 4 | 1.1% | 71.4% | $92,500 | View |
First National Bank of Grayson
12496 Us Route 60, Ashland, KY 41102 |
Conventional | 4 | 1.1% | 57.1% | $127,500 | |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.8% | 75% | $105,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
FHA, HELOC | 2 +1 HELOCs |
0.6% | 100% | $130,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $35,000 | |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
FHA | 1 | 0.3% | 100% | $85,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.3% | 100% | $65,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 22 | 6.1% | 88% | $154,545 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 50 | 14% | 92.7% | $147,800 | |
Rocket Mortgage
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Conventional, FHA, VA | 28 | 7.8% | 72.5% | $146,428 | |
Desco Federal Credit Union
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Conventional | 17 | 4.7% | 90% | $129,117 | |
Mortgage Research Center
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Conventional, FHA, VA | 13 | 3.6% | 65% | $178,076 | |
Movement Mortgage, LLC
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Conventional, FHA | 11 | 3.1% | 94.1% | $126,818 | |
Equity Prime Mortgage LLC
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FHA, USDA | 10 | 2.8% | 90.9% | $152,000 | |
Primelending
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Conventional, FHA | 7 | 2% | 100% | $175,000 | |
Click n' Close, Inc.
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Conventional, FHA, VA | 6 | 1.7% | 100% | $146,666 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 6 | 1.7% | 100% | $171,666 | |
Guaranteed Rate, Inc.
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FHA, VA | 4 | 1.1% | 80% | $200,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.1% | 100% | $120,000 | |
Pennymac Loan Services LLC
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FHA, VA | 4 | 1.1% | 40% | $140,000 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 0.8% | 75% | $101,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 0.8% | 75% | $145,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.6% | 22.2% | $60,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.6% | 100% | $125,000 | |
New Day Financial, LLC.
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VA | 2 | 0.6% | 50% | $280,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.6% | 66.7% | $80,000 | View |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.6% | 100% | $160,000 | |
Victorian Finance, LLC
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Conventional, FHA | 2 | 0.6% | 100% | $150,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 0.6% | 66.7% | $80,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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Conventional | 1 | 0.3% | 50% | $105,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 50% | $215,000 | |
Affordable Mortgage Advisors
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Newrez LLC
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FHA | 1 | 0.3% | 25% | $105,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 100% | $75,000 | |
City 1st Mortgage Services, LC
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FHA | 1 | 0.3% | 100% | $165,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.3% | 100% | $155,000 | |
myCUmortgage
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FHA | 1 | 0.3% | 100% | $155,000 | |
BMI Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $85,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $395,000 | View |
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A5.0 ★Texas Ratio: 10.24% |
VA | 1 | 0.3% | 100% | $415,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 50% | $145,000 | |
Nations Lending Corporation
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VA | 1 | 0.3% | 100% | $185,000 | |
T2 Financial LLC
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FHA | 1 | 0.3% | 100% | $175,000 | |
Wright Patt Credit Union Inc
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Conventional | 1 | 0.3% | 100% | $225,000 | |
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A5.0 ★Texas Ratio: 10.78% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.3% | 100% | $215,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $185,000 | |
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★ 5 stars, 1 review A4.9 ★Texas Ratio: 5.30% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
Lower, LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Mortgage Investors Group
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FHA | 1 | 0.3% | 100% | $195,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 50% | $255,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $75,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ashland Mortgage Rate Trends
Daily average mortgage rates for Kentucky compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ashland, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Ashland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ashland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ashland, KY
Use these to narrow the list above. Each category shows how many Ashland, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Ashland, KY
Independent mortgage companies closed 52.8 percent of home loans in Ashland, Kentucky in 2025, banks 34.4 percent and credit unions 12.8 percent. Stockton Mortgage Corporation was the largest mortgage company, City National Bank of WV the largest bank and Members Choice Credit Union the largest credit union. Among lenders headquartered in Kentucky, Members Choice Credit Union led with 22 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Kentucky. State deed transfer tax of $0.50 per $500 of value (0.1 percent), paid by the seller (KRS 142.050); no mortgage recording tax.
More Kentucky Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ashland, KY
By home loans closed in 2025, City National Bank of WV was the largest mortgage lender in Ashland, Kentucky with 34 loans, about 9.5 percent of the market. The largest lender headquartered in Kentucky was Members Choice Credit Union with 22 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Ashland, Kentucky, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 92.7 percent, against a 79.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
29 lenders closed FHA loans in Ashland, Kentucky in 2025, led by United Wholesale Mortgage with 19. 14 lenders closed VA loans, led by Mortgage Research Center, and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 25 banks and 8 credit unions closed home loans in Ashland, Kentucky in 2025, alongside 36 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ashland, Kentucky during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ashland, Kentucky for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ashland. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
