Mortgage Lenders and Brokers in Cynthiana, 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
Cynthiana, Kentucky mortgage lenders include Fifth Third Bank, National AssociationFifth Third Bank, National Association1005 Us Highway 27 S, Cynthiana, KY 41031A+5.0 ★Texas Ratio: 3.22%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company939 Us Highway 27 S, Cynthiana, KY 41031A+5.0 ★Texas Ratio: 1.99%, City National Bank of WVCity National Bank of WV698 Us Highway 27 S, Cynthiana, KY 41031A+5.0 ★Texas Ratio: 1.47%, 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.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, Wesbanco Bank, Inc.Wesbanco Bank, Inc.7300 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.87%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, and Old National BankOld National Bank301 S 2nd St, Central City, KY 42330A+5.0 ★Texas Ratio: 4.98%. 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 Cynthiana, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Cynthiana 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 Cynthiana, Kentucky
Market share is the lender's share of all home loans closed in Cynthiana, 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 Cynthiana 1005 Us Highway 27 S, Cynthiana, KY 41031 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 10 +9 HELOCs |
4.9% | 68.8% | $116,000 | View |
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2 offices in Cynthiana 939 Us Highway 27 S, Cynthiana, KY 41031 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 9 +18 HELOCs |
4.4% | 90.9% | $191,666 | View |
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1 office in Cynthiana 698 Us Highway 27 S, Cynthiana, KY 41031 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 4 +5 HELOCs |
1.9% | 66.7% | $135,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, FHA, HELOC | 10 +1 HELOCs |
4.9% | 100% | $217,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 4 +1 HELOCs |
1.9% | 100% | $197,500 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 2 +8 HELOCs |
1% | 66.7% | $120,000 | |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 2 +2 HELOCs |
1% | 100% | $470,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $205,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 1% | 50% | $115,000 | View |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 2 | 1% | 100% | $560,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $325,000 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $415,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.5% | 33.3% | $435,000 | View |
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Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 1 | 0.5% | 100% | $55,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 13 | 6.3% | 100% | $211,923 | |
Farm Credit Mid-America, Aca
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Conventional | 8 | 3.9% | 100% | $310,000 | |
Field & Main Bank
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Conventional | 6 | 2.9% | 75% | $111,666 | |
Central Kentucky Agricultural
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Conventional | 3 | 1.5% | 100% | $78,333 | |
University of Ky FCU
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Conventional, HELOC | 2 +8 HELOCs |
1% | 66.7% | $260,000 | |
Park Community Credit Union
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 8.7% | 83.3% | $228,888 | |
Mortgage Research Center
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FHA, VA, Jumbo | 9 | 4.4% | 81.8% | $351,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 3.9% | 88.9% | $296,250 | |
New American Funding, LLC.
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Conventional, FHA | 8 | 3.9% | 88.9% | $298,750 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 6 | 2.9% | 100% | $205,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.4% | 71.4% | $63,000 | |
Mortgage Investors Group
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Conventional, FHA | 5 | 2.4% | 100% | $231,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 4 | 1.9% | 100% | $307,500 | View |
First Community Mortgage, Inc.
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Conventional, FHA | 3 | 1.5% | 100% | $181,666 | |
Primelending
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Conventional | 3 | 1.5% | 100% | $151,666 | |
Newrez LLC
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Conventional, FHA | 3 | 1.5% | 75% | $251,666 | |
Towne Mortgage Company
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FHA, VA | 3 | 1.5% | 100% | $401,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.5% | 22.2% | $175,000 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
1% | 100% | $50,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 2 | 1% | 100% | $320,000 | View |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 1% | 100% | $180,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 1% | 100% | $345,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1% | 66.7% | $120,000 | |
Communityamerica Federal Credit Union
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Conventional | 2 | 1% | 66.7% | $115,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 2 | 1% | 100% | $295,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $305,000 | View |
EMM Loans LLC
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FHA | 1 | 0.5% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
FHA | 1 | 0.5% | 50% | $355,000 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.5% | 100% | $265,000 | |
American Financial Resources LLC
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USDA | 1 | 0.5% | 50% | $205,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.5% | 100% | $385,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.5% | 50% | $215,000 | View |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.5% | 100% | $665,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.5% | 100% | $225,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.5% | 100% | $185,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.5% | 50% | $85,000 | |
Sun West Mortgage Company, Inc
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USDA | 1 | 0.5% | 100% | $235,000 | |
Republic State Mortgage Company
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FHA | 1 | 0.5% | 100% | $195,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.5% | 100% | $195,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.5% | 100% | $285,000 | |
Nfm, Inc
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Provident Funding Associates
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Conventional | 1 | 0.5% | 100% | $85,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.5% | 100% | $245,000 | |
T2 Financial LLC
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Conventional | 1 | 0.5% | 100% | $235,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.5% | 100% | $105,000 | |
Iserve Residential Lending
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FHA | 1 | 0.5% | 100% | $255,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.5% | 100% | $215,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.5% | 100% | $145,000 | |
Toyota Financial Savings Bank
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Conventional | 1 | 0.5% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.5% | 100% | $345,000 | |
Nexera Holding LLC
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FHA | 1 | 0.5% | 100% | $165,000 | |
Geneva Financial LLC
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FHA | 1 | 0.5% | 100% | $265,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.5% | 100% | $165,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.5% | 100% | $415,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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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 |
Cynthiana 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 Cynthiana, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Cynthiana? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Cynthiana in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Cynthiana, KY
Use these to narrow the list above. Each category shows how many Cynthiana, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Cynthiana, KY
Independent mortgage companies closed 61.2 percent of home loans in Cynthiana, Kentucky in 2025, banks 34 percent and credit unions 4.9 percent. Stockton Mortgage Corporation was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Stock Yards Bank & Trust Company led with 9 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 Cynthiana, KY
By home loans closed in 2025, Fifth Third Bank, National Association was the largest mortgage lender in Cynthiana, Kentucky with 10 loans, about 4.9 percent of the market. The largest lender headquartered in Kentucky was Stock Yards Bank & Trust Company with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
31 lenders closed FHA loans in Cynthiana, Kentucky in 2025, led by Rocket Mortgage with 7. 5 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 23 banks and 7 credit unions closed home loans in Cynthiana, Kentucky in 2025, alongside 44 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 Cynthiana, 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 Cynthiana, 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 Cynthiana. 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.
