Mortgage Lenders and Brokers in Cold Spring, 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
Cold Spring, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.3600 Martha Layne Collins Boulevard, Cold Spring, KY 41076A+5.0 ★Texas Ratio: 2.85%, Heritage Bank, INCHeritage Bank, INC4929 Alexandria Pike, Cold Spring, KY 41076A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.3701 Alexandria Pike, Cold Spring, KY 41076A+5.0 ★Texas Ratio: 4.24%, Fifth Third Bank, National AssociationFifth Third Bank, National Association375 Cross Roads Blvd, Cold Spring, KY 41076A+5.0 ★Texas Ratio: 3.22%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, and Wesbanco Bank, Inc.Wesbanco Bank, Inc.7300 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.87%. 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 Cold Spring, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cold Spring 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 Cold Spring, Kentucky
Market share is the lender's share of all home loans closed in Cold Spring, 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 Cold Spring 3600 Martha Layne Collins Boulevard, Cold Spring, KY 41076 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 17 +8 HELOCs |
5.3% | 89.5% | $142,058 | View |
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1 office in Cold Spring 4929 Alexandria Pike, Cold Spring, KY 41076 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 13 | 4.1% | 100% | $110,384 | View |
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1 office in Cold Spring 924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 4 | 1.3% | 100% | $195,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Cold Spring 3701 Alexandria Pike, Cold Spring, KY 41076 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +13 HELOCs |
0.6% | 100% | $130,000 | View |
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375 Cross Roads Blvd, Cold Spring, KY 41076 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 19 +26 HELOCs |
6% | 79.2% | $133,421 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, HELOC | 14 +6 HELOCs |
4.4% | 100% | $240,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 10 +4 HELOCs |
3.1% | 100% | $270,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 4 +2 HELOCs |
1.3% | 100% | $192,500 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, Jumbo, HELOC | 3 +5 HELOCs |
0.9% | 100% | $468,333 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 2 +10 HELOCs |
0.6% | 100% | $240,000 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $335,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $85,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.3% | 100% | $335,000 | |
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107 East Miami Street, Brooksville, KY 41004 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 50% | $75,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $825,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional | 1 | 0.3% | 100% | $235,000 | |
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136 Plaza Dr, Cold Spring, KY 41076 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2305 River Rd, Louisville, KY 40206 A5.0 ★Texas Ratio: 6.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 33 | 10.4% | 91.7% | $212,575 | |
Victory Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $295,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 7.5% | 92.3% | $175,000 | |
United Wholesale Mortgage
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Conventional, VA | 15 | 4.7% | 100% | $273,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 15 | 4.7% | 93.8% | $245,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, USDA | 10 | 3.1% | 100% | $139,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA, HELOC | 9 +1 HELOCs |
2.8% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 8 | 2.5% | 100% | $170,000 | View |
Success Mortgage Partners, Inc
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Conventional, FHA, VA | 8 | 2.5% | 100% | $282,500 | |
Guaranteed Rate, Inc.
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Conventional, VA | 6 | 1.9% | 100% | $280,000 | |
Union Savings Bank
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Conventional, HELOC | 5 +3 HELOCs |
1.6% | 100% | $181,000 | |
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A+5.0 ★Texas Ratio: 2.56% |
Conventional | 5 | 1.6% | 100% | $203,000 | View |
Mortgage Research Center
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VA | 5 | 1.6% | 100% | $247,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, USDA | 4 | 1.3% | 100% | $215,000 | |
American Financial Resources LLC
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Conventional, USDA | 4 | 1.3% | 80% | $257,500 | |
General Electric Credit Union
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Conventional, HELOC | 3 +5 HELOCs |
0.9% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 3 +1 HELOCs |
0.9% | 100% | $138,333 | View |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 0.9% | 100% | $138,333 | |
Newrez LLC
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Conventional | 3 | 0.9% | 100% | $165,000 | |
Nationstar Mortgage
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Conventional | 3 | 0.9% | 100% | $125,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 3 | 0.9% | 100% | $275,000 | |
Wright Patt Credit Union Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $150,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 66.7% | $60,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 0.6% | 100% | $270,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.6% | 100% | $55,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 0.6% | 66.7% | $220,000 | |
Amerisave Mortgage Company
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Conventional, VA | 2 | 0.6% | 33.3% | $190,000 | |
Bayshore Mortgage Funding
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Conventional | 2 | 0.6% | 100% | $185,000 | |
Nfm, Inc
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Conventional, FHA | 2 | 0.6% | 100% | $275,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.6% | 100% | $130,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $295,000 | |
Sibcy Cline Mortgage Services, Inc.
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Conventional | 2 | 0.6% | 100% | $90,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.6% | 100% | $150,000 | |
Superior Credit Union, Inc.
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Conventional | 2 | 0.6% | 100% | $190,000 | |
Lower, LLC
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VA, HELOC | 1 +1 HELOCs |
0.3% | 100% | $335,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Sharefax Credit Union
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Conventional | 1 | 0.3% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
VA | 1 | 0.3% | 100% | $175,000 | View |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Loanunited.Com, LLC
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FHA | 1 | 0.3% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
VA | 1 | 0.3% | 100% | $75,000 | View |
AdvantageFirst Lending Inc
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FHA | 1 | 0.3% | 50% | $235,000 | |
Das Acquisition Company, LLC
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FHA | 1 | 0.3% | 100% | $205,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $55,000 | |
New Day Financial, LLC.
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VA | 1 | 0.3% | 50% | $295,000 | |
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A+5.0 ★Texas Ratio: 3.94% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Churchill Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $425,000 | |
Reliable Holdings Manager dba Lendz Financial
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Tjc Mortgage Inc
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Conventional | 1 | 0.3% | 100% | $265,000 | |
1st National Bank
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Conventional | 1 | 0.3% | 100% | $105,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.3% | 100% | $205,000 | |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 0.3% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 50% | $235,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.3% | 20% | $115,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Delta Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cinfed Federal Credit Union
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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 | |
North Side Bank & Trust Company
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.72% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Cold Spring 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 Cold Spring, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Cold Spring? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cold Spring in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cold Spring, KY
Use these to narrow the list above. Each category shows how many Cold Spring, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Cold Spring, KY
Independent mortgage companies closed 57.2 percent of home loans in Cold Spring, Kentucky in 2025, banks 38.1 percent and credit unions 4.7 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Heritage Bank, INC 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 Cold Spring, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Cold Spring, Kentucky with 17 loans, about 5.3 percent of the market. The largest lender headquartered in Kentucky was Heritage Bank, INC with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Cold Spring, Kentucky in 2025, led by Stockton Mortgage Corporation with 5. 13 lenders closed VA loans, led by Mortgage Research Center, and 5 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 12 credit unions closed home loans in Cold Spring, Kentucky in 2025, alongside 43 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 Cold Spring, 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 Cold Spring, 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 Cold Spring. 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.
