Mortgage Lenders and Brokers in Covington, 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
Covington, Kentucky mortgage lenders include Huntington National BankHuntington National Bank540 Madison Ave, Covington, KY 41011A+5.0 ★Texas Ratio: 3.66%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Fifth Third Bank, National AssociationFifth Third Bank, National Association107 Brent Spence Sq, Covington, KY 41011A+5.0 ★Texas Ratio: 3.22%, US Bank, N.A.US Bank, N.A.602 Madison Ave, Covington, KY 41011A+5.0 ★Texas Ratio: 2.85%, Republic Bank & TrustRepublic Bank & Trust535 Madison Ave, Covington, KY 41011A+5.0 ★Texas Ratio: 2.91%, First Financial BankFirst Financial Bank601 Madison Ave, Covington, KY 41011A+5.0 ★Texas Ratio: 3.21%, Heritage Bank, INCHeritage Bank, INC3600 Decoursey Ave, Covington, KY 41015A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank1831 Madison Ave, Covington, KY 41014A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.404 Madison Ave, Covington, KY 41011A+5.0 ★Texas Ratio: 4.24%, and German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%. 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 Covington, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Covington 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 Covington, Kentucky
Market share is the lender's share of all home loans closed in Covington, 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 Covington 540 Madison Ave, Covington, KY 41011 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, Jumbo, HELOC | 27 +22 HELOCs |
3.6% | 75% | $393,148 | View |
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1 office in Covington 7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, VA, HELOC | 27 +8 HELOCs |
3.6% | 82.9% | $225,370 | View |
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1 office in Covington 107 Brent Spence Sq, Covington, KY 41011 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 25 +38 HELOCs |
3.3% | 75.8% | $115,000 | View |
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1 office in Covington 602 Madison Ave, Covington, KY 41011 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 20 +18 HELOCs |
2.6% | 63.6% | $128,500 | View |
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1 office in Covington 535 Madison Ave, Covington, KY 41011 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, VA, Jumbo, HELOC | 17 +5 HELOCs |
2.2% | 94.4% | $256,176 | View |
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1 office in Covington 601 Madison Ave, Covington, KY 41011 A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, HELOC | 12 +4 HELOCs |
1.6% | 100% | $124,166 | View |
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1 office in Covington 3600 Decoursey Ave, Covington, KY 41015 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 12 | 1.6% | 70.6% | $164,166 | View |
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★ 1 stars, 1 review 1 office in Covington 1831 Madison Ave, Covington, KY 41014 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 7 +4 HELOCs |
0.9% | 87.5% | $207,857 | View |
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★ 1.7 stars, 3 reviews 1 office in Covington 404 Madison Ave, Covington, KY 41011 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 3 +16 HELOCs |
0.4% | 75% | $265,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, Jumbo, HELOC | 9 +3 HELOCs |
1.2% | 100% | $366,111 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 7 +6 HELOCs |
0.9% | 100% | $157,857 | View |
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2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 7 | 0.9% | 100% | $227,857 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA, HELOC | 5 +1 HELOCs |
0.7% | 83.3% | $219,000 | View |
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406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 2 | 0.3% | 100% | $150,000 | View |
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2305 River Rd, Louisville, KY 40206 A5.0 ★Texas Ratio: 6.62% |
Conventional | 2 | 0.3% | 100% | $60,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, Jumbo, HELOC | 1 +6 HELOCs |
0.1% | 50% | $1,795,000 | View |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $665,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.1% | 50% | $375,000 | |
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235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $235,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 41 | 5.4% | 91.1% | $210,609 | |
Victory Mortgage, LLC
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Conventional | 32 | 4.2% | 97% | $242,187 | |
University of Ky FCU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 55 | 7.3% | 80.9% | $146,636 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 53 | 7% | 88.5% | $271,415 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 37 +1 HELOCs |
4.9% | 95% | $230,405 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 31 | 4.1% | 100% | $186,612 | |
Success Mortgage Partners, Inc
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Conventional, FHA, VA | 29 | 3.8% | 100% | $149,827 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 13 | 1.7% | 100% | $131,923 | |
Freedom Mortgage Corporation
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FHA, VA | 12 | 1.6% | 94.1% | $191,666 | |
Pennymac Loan Services LLC
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Conventional, FHA | 12 | 1.6% | 81.2% | $191,666 | |
Newrez LLC
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Conventional, FHA, VA | 11 | 1.5% | 78.6% | $169,545 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA, VA | 11 | 1.5% | 100% | $265,909 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 10 | 1.3% | 100% | $209,000 | View |
Nfm, Inc
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Conventional, FHA | 10 | 1.3% | 83.3% | $211,000 | |
Union Savings Bank
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Conventional, FHA, HELOC | 9 +2 HELOCs |
1.2% | 100% | $331,666 | |
American Financial Resources LLC
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Conventional, FHA | 9 | 1.2% | 100% | $229,444 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 9 | 1.2% | 100% | $209,444 | |
Cinfed Federal Credit Union
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Conventional, HELOC | 8 +9 HELOCs |
1.1% | 100% | $300,000 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA | 8 | 1.1% | 100% | $225,000 | |
General Electric Credit Union
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Conventional, HELOC | 7 +5 HELOCs |
0.9% | 88.9% | $110,714 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 7 +2 HELOCs |
0.9% | 87.5% | $199,285 | View |
American Pacific Mortgage Corporation
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Conventional, FHA | 7 | 0.9% | 77.8% | $210,714 | |
loanDepot.com LLC
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Conventional, FHA | 6 | 0.8% | 75% | $130,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 5 | 0.7% | 62.5% | $149,000 | |
Mortgage Research Center
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VA | 5 | 0.7% | 41.7% | $209,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, Jumbo | 5 | 0.7% | 100% | $397,000 | View |
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A+5.0 ★Texas Ratio: 2.05% |
Conventional | 4 | 0.5% | 83.3% | $205,000 | View |
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A5.0 ★Texas Ratio: 10.25% |
Conventional | 4 | 0.5% | 100% | $290,000 | View |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional | 4 | 0.5% | 100% | $260,000 | View |
New American Funding, LLC.
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Conventional, FHA | 4 | 0.5% | 66.7% | $142,500 | |
Fairway Independent Mort Corp
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Conventional, FHA | 4 | 0.5% | 80% | $187,500 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, VA | 4 | 0.5% | 100% | $260,000 | View |
Wright Patt Credit Union Inc
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Conventional, HELOC | 3 +1 HELOCs |
0.4% | 100% | $308,333 | |
Superior Credit Union, Inc.
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Conventional, HELOC | 3 +1 HELOCs |
0.4% | 100% | $228,333 | |
First Community Mortgage, Inc.
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Conventional, FHA | 3 | 0.4% | 100% | $205,000 | |
Royal United Mortgage LLC
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Conventional | 3 | 0.4% | 75% | $118,333 | |
Primelending
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Conventional | 3 | 0.4% | 100% | $201,666 | |
Amerisave Mortgage Company
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FHA, VA | 3 | 0.4% | 44.4% | $188,333 | |
Das Acquisition Company, LLC
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Conventional, FHA | 3 | 0.4% | 100% | $205,000 | |
New Day Financial, LLC.
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VA | 3 | 0.4% | 50% | $148,333 | |
Planet Home Lending, LLC
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Conventional, FHA | 3 | 0.4% | 60% | $185,000 | |
Nationstar Mortgage
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Conventional | 3 | 0.4% | 100% | $85,000 | |
Lower, LLC
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FHA, VA | 3 | 0.4% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 3 | 0.4% | 100% | $191,666 | View |
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A+5.0 ★Texas Ratio: 2.56% |
Conventional, HELOC | 2 +3 HELOCs |
0.3% | 50% | $115,000 | View |
The Loan Store, Inc
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Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $235,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $255,000 | |
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A5.0 ★Texas Ratio: 6.45% |
FHA | 2 | 0.3% | 100% | $185,000 | View |
Ruoff Mortgage Company
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Conventional, FHA | 2 | 0.3% | 100% | $335,000 | |
Gvc Mortgage, Inc.
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Conventional | 2 | 0.3% | 100% | $320,000 | |
Nbkc Bank
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Conventional, VA | 2 | 0.3% | 100% | $290,000 | |
AdvantageFirst Lending Inc
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VA | 2 | 0.3% | 100% | $255,000 | |
Bayshore Mortgage Funding
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Conventional, FHA | 2 | 0.3% | 100% | $105,000 | |
Sibcy Cline Mortgage Services, Inc.
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Conventional | 2 | 0.3% | 100% | $235,000 | |
1st National Bank
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Conventional | 2 | 0.3% | 100% | $190,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $190,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.3% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.3% | 100% | $345,000 | View |
Top Flite Financial, Inc.
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FHA | 2 | 0.3% | 100% | $125,000 | |
Polaris Home Funding Corp.
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
EMM Loans LLC
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FHA | 1 | 0.1% | 100% | $235,000 | |
Sharefax Credit Union
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Greenstate Credit Union
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.1% | 75% | $35,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $185,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $225,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.1% | 50% | $135,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Discover Bank
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Conventional | 1 | 0.1% | 14.3% | $55,000 | |
Cincinnati Ohio Police Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $35,000 | |
Honor Credit Union
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.1% | 100% | $255,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Mortgage Masters of Indiana Inc
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Bay Equity LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
3rd Street Financial Corp
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FHA | 1 | 0.1% | 100% | $415,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.1% | 100% | $185,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.1% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $445,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Rapid Mortgage Company
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FHA | 1 | 0.1% | 100% | $255,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 4.66% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
Towne Mortgage Company
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FHA | 1 | 0.1% | 100% | $145,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.1% | 50% | $225,000 | |
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A+5.0 ★Texas Ratio: 3.10% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 1.17% |
Conventional | 1 | 0.1% | 100% | $185,000 | View |
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A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.1% | 100% | $235,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.1% | 25% | $95,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.1% | 20% | $55,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +8 HELOCs |
0% | 0% | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Fourleaf Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
North Side Bank & Trust Company
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.81% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Covington 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 Covington, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Covington? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Covington in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Covington, KY
Use these to narrow the list above. Each category shows how many Covington, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Covington, KY
Independent mortgage companies closed 61.7 percent of home loans in Covington, Kentucky in 2025, banks 33.3 percent and credit unions 5 percent. Stockton Mortgage Corporation was the largest mortgage company, Huntington National Bank the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Republic Bank & Trust led with 17 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 Covington, KY
By home loans closed in 2025, Huntington National Bank was the largest mortgage lender in Covington, Kentucky with 27 loans, about 3.6 percent of the market. The largest lender headquartered in Kentucky was Republic Bank & Trust with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Covington, Kentucky, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 88.5 percent, against a 85.1 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.
48 lenders closed FHA loans in Covington, Kentucky in 2025, led by United Wholesale Mortgage with 17. 22 lenders closed VA loans, led by United Wholesale Mortgage. 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. 49 banks and 17 credit unions closed home loans in Covington, Kentucky in 2025, alongside 65 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 Covington, 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 Covington, 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 Covington. 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.
