Mortgage Lenders and Brokers in Dry Ridge, 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
Dry Ridge, Kentucky mortgage lenders include Heritage Bank, INCHeritage Bank, INC48 Broadway St, Dry Ridge, KY 41035A+5.0 ★Texas Ratio: 4.11%, Truist BankTruist Bank12 Taft Hwy, Dry Ridge, KY 41035A+5.0 ★Texas Ratio: 2.87%, Forcht Bank, N.A.Forcht Bank, N.A.58 Broadway St, Dry Ridge, KY 41035A+5.0 ★Texas Ratio: 0.45%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, First Financial BankFirst Financial BankLimaburg Road And Jones Circle, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.21%, L&N Federal Credit UnionL&N Federal Credit Union1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731A+5.0 ★Texas Ratio: 1.91%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%. 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 Dry Ridge, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Dry Ridge 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 Dry Ridge, Kentucky
Market share is the lender's share of all home loans closed in Dry Ridge, 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 Dry Ridge 48 Broadway St, Dry Ridge, KY 41035 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 7 | 4.4% | 58.3% | $105,000 | View |
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★ 1 stars, 1 review 1 office in Dry Ridge 12 Taft Hwy, Dry Ridge, KY 41035 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +3 HELOCs |
1.2% | 66.7% | $185,000 | View |
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58 Broadway St, Dry Ridge, KY 41035 A+5.0 ★Texas Ratio: 0.45% |
Conventional, FHA | 17 | 10.6% | 100% | $200,882 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 6 +1 HELOCs |
3.8% | 100% | $345,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 4 +8 HELOCs |
2.5% | 80% | $120,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, HELOC | 4 +1 HELOCs |
2.5% | 50% | $212,500 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 3 | 1.9% | 100% | $271,666 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 2 +4 HELOCs |
1.2% | 100% | $260,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +2 HELOCs |
1.2% | 66.7% | $405,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
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2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 1 | 0.6% | 100% | $175,000 | View |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.6% | 100% | $25,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +2 HELOCs |
0% | 0% | ||
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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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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 8 | 5% | 100% | $285,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.6% | 100% | $775,000 | |
University of Ky FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 17 | 10.6% | 89.5% | $145,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 11 | 6.9% | 38.6% | $135,000 | |
Mortgage Research Center
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VA | 7 | 4.4% | 70% | $256,428 | |
Union Home Mortgage Corp.
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Conventional, FHA | 6 | 3.8% | 100% | $243,333 | |
Nfm, Inc
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Conventional, FHA | 6 | 3.8% | 100% | $210,000 | |
United Wholesale Mortgage
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Conventional, VA | 5 | 3.1% | 71.4% | $247,000 | |
Newrez LLC
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Conventional, FHA | 4 | 2.5% | 100% | $127,500 | |
Pennymac Loan Services LLC
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FHA, VA | 4 | 2.5% | 80% | $252,500 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 3 | 1.9% | 100% | $198,333 | |
21St Mortgage
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Conventional | 3 | 1.9% | 30% | $141,666 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA, VA | 2 | 1.2% | 100% | $310,000 | View |
Freedom Mortgage Corporation
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FHA, VA | 2 | 1.2% | 75% | $325,000 | |
Polaris Home Funding Corp.
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Conventional | 1 | 0.6% | 100% | $465,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.6% | 100% | $175,000 | |
Zippy Loans, LLC
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Conventional | 1 | 0.6% | 100% | $65,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.6% | 100% | $55,000 | |
loanDepot.com LLC
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VA | 1 | 0.6% | 50% | $325,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $265,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.6% | 33.3% | $145,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.6% | 100% | $195,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.6% | 33.3% | $45,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.6% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Success Mortgage Partners, Inc
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FHA | 1 | 0.6% | 100% | $305,000 | |
Publix Employees Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $245,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.6% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.6% | 100% | $455,000 | |
T2 Financial LLC
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Conventional | 1 | 0.6% | 100% | $285,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.6% | 50% | $75,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
FHA | 1 | 0.6% | 100% | $355,000 | View |
Park Lane Finance SolutionsLLC
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Conventional | 1 | 0.6% | 80% | $95,000 | |
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A+5.0 ★Texas Ratio: 0.96% |
FHA | 1 | 0.6% | 100% | $235,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 0.6% | 100% | $195,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $625,000 | |
New American Funding, LLC.
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FHA | 1 | 0.6% | 100% | $275,000 | |
Lower, LLC
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Conventional | 1 | 0.6% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Southwest Stage Funding LLC
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Conventional | 1 | 0.6% | 25% | $75,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.6% | 100% | $695,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.6% | 100% | $265,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.6% | 35.7% | $35,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Cinfed Federal Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a |
Dry Ridge 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 Dry Ridge, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Dry Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Dry Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Dry Ridge, KY
Use these to narrow the list above. Each category shows how many Dry Ridge, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Dry Ridge, KY
Independent mortgage companies closed 63.8 percent of home loans in Dry Ridge, Kentucky in 2025, banks 34.4 percent and credit unions 1.9 percent. Stockton Mortgage Corporation was the largest mortgage company, Heritage Bank, INC the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Heritage Bank, INC led with 7 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 Dry Ridge, KY
By home loans closed in 2025, Heritage Bank, INC was the largest mortgage lender in Dry Ridge, Kentucky with 7 loans, about 4.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Dry Ridge, Kentucky in 2025, led by Stockton Mortgage Corporation with 6. 10 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 20 banks and 6 credit unions closed home loans in Dry Ridge, Kentucky in 2025, alongside 38 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 Dry Ridge, 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 Dry Ridge, 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 Dry Ridge. 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.
