Mortgage Lenders and Brokers in Bedford, 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
Bedford, Kentucky mortgage lenders include Bedford Loan & Deposit BankBedford Loan & Deposit Bank45 Highway 42 E, Bedford, KY 40006A5.0 ★Texas Ratio: 7.48%, United Citizens Bank & Trust CompanyUnited Citizens Bank & Trust Company4727 W Highway 146, Buckner, KY 40010, Farmers Bank of MiltonFarmers Bank of Milton1935 Highway 227, Carrollton, KY 41008A5.0 ★Texas Ratio: 8.77%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company111 Chaplin Rd, Bloomfield, KY 40008A+5.0 ★Texas Ratio: 1.99%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103, Old National BankOld National Bank301 S 2nd St, Central City, KY 42330A+5.0 ★Texas Ratio: 4.98%, Community Trust Bank, Inc.Community Trust Bank, Inc.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, and Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%. 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 Bedford, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bedford 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 Bedford, Kentucky
Market share is the lender's share of all home loans closed in Bedford, 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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45 Highway 42 E, Bedford, KY 40006 A5.0 ★Texas Ratio: 7.48% |
Conventional | 18 | 17% | 100% | $114,444 | View |
United Citizens Bank & Trust Company
4727 W Highway 146, Buckner, KY 40010 |
Conventional | 4 | 3.8% | 100% | $67,500 | |
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1935 Highway 227, Carrollton, KY 41008 A5.0 ★Texas Ratio: 8.77% |
Conventional | 3 | 2.8% | 75% | $128,333 | View |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 2 +3 HELOCs |
1.9% | 100% | $110,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
VA, USDA | 2 | 1.9% | 100% | $355,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +4 HELOCs |
0.9% | 100% | $365,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.9% | 100% | $375,000 | |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.9% | 100% | $255,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 1 | 0.9% | 100% | $245,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional | 1 | 0.9% | 100% | $265,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.9% | 25% | $55,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +4 HELOCs |
0% | 0% | ||
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 2.8% | 100% | $188,333 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.9% | 50% | $255,000 | |
Rocket Mortgage
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Conventional, FHA | 13 | 12.3% | 86.7% | $196,538 | |
Primary Residential Mortgage, INC.
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Conventional, FHA, USDA | 11 | 10.4% | 100% | $155,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 3.8% | 80% | $332,500 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 4 | 3.8% | 100% | $272,500 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 2.8% | 75% | $151,666 | |
Fairway Independent Mort Corp
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Conventional, FHA | 3 | 2.8% | 100% | $141,666 | |
Interlinc Mortgage Services, LLC
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Conventional | 2 | 1.9% | 100% | $470,000 | |
Freedom Mortgage Corporation
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FHA | 2 | 1.9% | 50% | $175,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 1.9% | 100% | $245,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 1.9% | 100% | $235,000 | |
Sun West Mortgage Company, Inc
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Conventional, FHA | 2 | 1.9% | 100% | $105,000 | |
Mortgage Research Center
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VA | 2 | 1.9% | 50% | $345,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.9% | 33.3% | $155,000 | |
Gershman Investment Corp.
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Conventional, FHA | 2 | 1.9% | 100% | $90,000 | |
EMM Loans LLC
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Conventional | 1 | 0.9% | 100% | $225,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 50% | $105,000 | |
loanDepot.com LLC
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VA | 1 | 0.9% | 100% | $365,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.9% | 100% | $215,000 | |
Indiana Members Credit Union
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Conventional | 1 | 0.9% | 100% | $95,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.9% | 100% | $195,000 | View |
Credit Human Federal Credit Un
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Conventional | 1 | 0.9% | 100% | $55,000 | |
New American Funding, LLC.
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VA | 1 | 0.9% | 50% | $135,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.9% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.9% | 50% | $285,000 | |
21St Mortgage
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Conventional | 1 | 0.9% | 50% | $95,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.9% | 100% | $165,000 | |
Southwest Funding LP
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Conventional | 1 | 0.9% | 100% | $125,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
First Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
Bedford 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 Bedford, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Bedford? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bedford in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bedford, KY
Use these to narrow the list above. Each category shows how many Bedford, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Bedford, KY
Independent mortgage companies closed 63.2 percent of home loans in Bedford, Kentucky in 2025, banks 32.1 percent and credit unions 4.7 percent. Farm Credit Mid-America, Aca was the largest mortgage company, Bedford Loan & Deposit Bank the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Bedford Loan & Deposit Bank led with 18 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 Bedford, KY
By home loans closed in 2025, Bedford Loan & Deposit Bank was the largest mortgage lender in Bedford, Kentucky with 18 loans, about 17 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Bedford, Kentucky in 2025, led by Primary Residential Mortgage, INC. with 6. 7 lenders closed VA loans, led by United Wholesale Mortgage, 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. 16 banks and 7 credit unions closed home loans in Bedford, Kentucky in 2025, alongside 27 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 Bedford, 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 Bedford, 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 Bedford. 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.
