Mortgage Lenders and Brokers in Berea, 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
Berea, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.630 Chestnut St, Berea, KY 40403A+5.0 ★Texas Ratio: 2.85%, Cumberland Valley National Bank & Trust CoCumberland Valley National Bank & Trust Co235 Glades Rd, Berea, KY 40403A+5.0 ★Texas Ratio: 1.64%, Central Bank & Trust CoCentral Bank & Trust Co101 Brentwood Dr, Berea, KY 40403A+5.0 ★Texas Ratio: 1.26%, Community Trust Bank, Inc.Community Trust Bank, Inc.525 Walnut Meadow Rd, Berea, KY 40403A+5.0 ★Texas Ratio: 3.53%, Whitaker Bank IncWhitaker Bank Inc102 W Jefferson St, Berea, KY 40403A+5.0 ★Texas Ratio: 1.23%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company111 Chaplin Rd, Bloomfield, KY 40008A+5.0 ★Texas Ratio: 1.99%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, and Members Heritage CUMembers Heritage CU3301 Leestown Rd, Lexington, KY 40511 8702A+5.0 ★Texas Ratio: 4.52%. 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 Berea, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Berea 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 Berea, Kentucky
Market share is the lender's share of all home loans closed in Berea, 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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1 office in Berea 630 Chestnut St, Berea, KY 40403 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 26 +8 HELOCs |
6.2% | 83.9% | $160,384 | View |
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1 office in Berea 235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 13 | 3.1% | 100% | $252,692 | View |
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1 office in Berea 101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 3 +10 HELOCs |
0.7% | 100% | $108,333 | View |
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1 office in Berea 525 Walnut Meadow Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 3 +7 HELOCs |
0.7% | 100% | $178,333 | View |
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102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional, USDA | 41 | 9.9% | 87.2% | $132,073 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 6 +3 HELOCs |
1.4% | 87.5% | $220,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 4 +4 HELOCs |
1% | 100% | $110,000 | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, FHA, HELOC | 4 +3 HELOCs |
1% | 80% | $240,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 3 | 0.7% | 80% | $181,666 | View |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 2 | 0.5% | 100% | $260,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 2 | 0.5% | 100% | $230,000 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional, USDA | 2 | 0.5% | 100% | $155,000 | View |
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5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA | 2 | 0.5% | 42.9% | $260,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA | 2 | 0.5% | 100% | $280,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
VA, HELOC | 1 +5 HELOCs |
0.2% | 50% | $315,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.2% | 100% | $225,000 | |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.2% | 100% | $275,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
FHA | 1 | 0.2% | 100% | $405,000 | View |
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9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 1 | 0.2% | 100% | $385,000 | View |
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Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13% |
VA | 1 | 0.2% | 100% | $305,000 | View |
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6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 1 | 0.2% | 100% | $275,000 | 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 +2 HELOCs |
0% | n/a | View | |
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1214 Ashley Cir, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 8 | 1.9% | 88.9% | $226,250 | |
University of Ky FCU
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Conventional, HELOC | 6 +6 HELOCs |
1.4% | 75% | $96,666 | |
Park Community Credit Union
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Conventional, HELOC | 4 +14 HELOCs |
1% | 80% | $182,500 | |
Central Kentucky Agricultural
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Conventional | 1 | 0.2% | 100% | $75,000 | |
Field & Main Bank
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Conventional | 1 | 0.2% | 100% | $185,000 | |
T2 Financial LLC
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Conventional, FHA, VA, USDA | 35 | 8.4% | 97.4% | $227,285 | |
Rocket Mortgage
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Conventional, FHA, VA | 34 | 8.2% | 87.5% | $156,764 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, USDA | 22 | 5.3% | 100% | $238,181 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo, HELOC | 19 +1 HELOCs |
4.6% | 88% | $285,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 14 | 3.4% | 73.7% | $252,857 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 3.1% | 92.9% | $128,076 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 12 | 2.9% | 94.7% | $244,166 | |
New American Funding, LLC.
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Conventional, FHA, VA | 11 | 2.6% | 100% | $178,636 | |
Das Acquisition Company, LLC
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Conventional, FHA | 10 | 2.4% | 100% | $228,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 7 | 1.7% | 20% | $103,571 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 1.4% | 85.7% | $101,666 | |
Union Home Mortgage Corp.
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Conventional, VA, HELOC | 5 +1 HELOCs |
1.2% | 100% | $259,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 5 | 1.2% | 100% | $245,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, VA, USDA | 5 | 1.2% | 100% | $223,000 | View |
Geneva Financial LLC
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Conventional | 4 | 1% | 100% | $192,500 | |
New Day Financial, LLC.
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VA | 4 | 1% | 50% | $262,500 | |
Lakeview Loan Servicing, LLC
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FHA | 3 | 0.7% | 66.7% | $211,666 | |
Endeavor Capital, LLC
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Conventional, FHA | 3 | 0.7% | 100% | $188,333 | |
21St Mortgage
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Conventional | 3 | 0.7% | 75% | $161,666 | |
Village Capital & Investment
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FHA, VA | 3 | 0.7% | 60% | $321,666 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +2 HELOCs |
0.5% | 40% | $60,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.5% | 50% | $150,000 | |
Envoy Mortgage, Ltd
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Conventional | 2 | 0.5% | 100% | $180,000 | |
Kind Lending, LLC
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USDA | 2 | 0.5% | 100% | $235,000 | |
American Financial Network, Inc.
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FHA | 2 | 0.5% | 100% | $310,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, USDA | 2 | 0.5% | 100% | $255,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 2 | 0.5% | 100% | $245,000 | View |
Republic State Mortgage Company
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Conventional | 2 | 0.5% | 100% | $165,000 | |
Click n' Close, Inc.
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USDA | 2 | 0.5% | 100% | $170,000 | |
Provident Funding Associates
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Conventional | 2 | 0.5% | 100% | $235,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.5% | 66.7% | $95,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.5% | 100% | $220,000 | |
Carrington Mortgage Services LLC
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Conventional, VA | 2 | 0.5% | 40% | $220,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.2% | 100% | $265,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $115,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
Nbkc Bank
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VA | 1 | 0.2% | 100% | $405,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.2% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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VA | 1 | 0.2% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $215,000 | View |
Synergy One Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $145,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.2% | 100% | $215,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 25% | $75,000 | |
Ez Fundings Inc
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Conventional | 1 | 0.2% | 100% | $355,000 | |
American Financing Corporation
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Conventional | 1 | 0.2% | 100% | $175,000 | |
ClearPath Lending
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Conventional | 1 | 0.2% | 100% | $315,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.2% | 100% | $405,000 | View |
Transportation Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $95,000 | |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $275,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.2% | 100% | $205,000 | |
Legacy Home Loans, LLC
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FHA | 1 | 0.2% | 100% | $205,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.2% | 100% | $275,000 | |
Genway Home Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $565,000 | |
Appalachian Community Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $55,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional | 1 | 0.2% | 100% | $45,000 | View |
Lower, LLC
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FHA | 1 | 0.2% | 100% | $145,000 | |
Compass Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $425,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $295,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.2% | 100% | $515,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.2% | 100% | $465,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Top Flite Financial, Inc.
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VA | 1 | 0.2% | 100% | $255,000 | |
Movement Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Berea 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 Berea, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Berea? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Berea in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Berea, KY
Use these to narrow the list above. Each category shows how many Berea, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Berea, KY
Independent mortgage companies closed 62.5 percent of home loans in Berea, Kentucky in 2025, banks 32.9 percent and credit unions 4.6 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Cumberland Valley National Bank & Trust Co led with 13 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 Berea, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Berea, Kentucky with 26 loans, about 6.2 percent of the market. The largest lender headquartered in Kentucky was Cumberland Valley National Bank & Trust Co with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
32 lenders closed FHA loans in Berea, Kentucky in 2025, led by T2 Financial LLC with 12. 25 lenders closed VA loans, led by Mortgage Research Center, and 10 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. 37 banks and 7 credit unions closed home loans in Berea, Kentucky in 2025, alongside 54 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 Berea, 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 Berea, 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 Berea. 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.
