Mortgage Lenders and Brokers in Elkhorn City, 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
Elkhorn City, Kentucky mortgage lenders include Community Trust Bank, Inc.Community Trust Bank, Inc.211 W Russell St, Elkhorn City, KY 41522A+5.0 ★Texas Ratio: 3.53%, US Bank, N.A.US Bank, N.A.114 W Russell St, Elkhorn City, KY 41522A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, South Central Bank IncSouth Central Bank Inc3505 Louisville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.83%, Citizens Bank of Kentucky, Inc.Citizens Bank of Kentucky, Inc.6474 Kentucky 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.26%, Stockton Mortgage CorporationStockton Mortgage CorporationFrankfort, KY, Vanderbilt Mortgage and Finance, Inc, Rocket Mortgage, United Wholesale Mortgage, and Pennymac Loan Services LLC. 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 Elkhorn City, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elkhorn City 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 Elkhorn City, Kentucky
Market share is the lender's share of all home loans closed in Elkhorn City, 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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2 offices in Elkhorn City 211 W Russell St, Elkhorn City, KY 41522 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 7 +8 HELOCs |
25% | 77.8% | $166,428 | View |
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114 W Russell St, Elkhorn City, KY 41522 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 1 +1 HELOCs |
3.6% | 100% | $35,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 3.6% | 100% | $75,000 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
FHA | 1 | 3.6% | 100% | $145,000 | View |
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6474 Kentucky 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 1 | 3.6% | 100% | $185,000 | View |
Stockton Mortgage Corporation
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FHA | 1 | 3.6% | 100% | $145,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 4 | 14.3% | 26.3% | $50,000 | |
Rocket Mortgage
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FHA | 3 | 10.7% | 100% | $98,333 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 7.1% | 100% | $155,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 3.6% | 100% | $185,000 | |
Amerisave Mortgage Company
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FHA | 1 | 3.6% | 33.3% | $65,000 | |
Guild Mortgage Company
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FHA | 1 | 3.6% | 100% | $225,000 | |
Mortgage Research Center
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VA | 1 | 3.6% | 33.3% | $105,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 3.6% | 100% | $135,000 | |
21St Mortgage
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Conventional | 1 | 3.6% | 33.3% | $135,000 | |
Goprime Mortgage, Inc.
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FHA | 1 | 3.6% | 100% | $145,000 |
Elkhorn City 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 Elkhorn City, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Elkhorn City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elkhorn City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elkhorn City, KY
Use these to narrow the list above. Each category shows how many Elkhorn City, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Elkhorn City, KY
Independent mortgage companies closed 60.7 percent of home loans in Elkhorn City, Kentucky in 2025, banks 39.3 percent and credit unions 0 percent. Stockton Mortgage Corporation was the largest mortgage company, Community Trust Bank, Inc. the largest bank. Among lenders headquartered in Kentucky, Community Trust 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 Elkhorn City, KY
By home loans closed in 2025, Community Trust Bank, Inc. was the largest mortgage lender in Elkhorn City, Kentucky with 7 loans, about 25 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Elkhorn City, Kentucky in 2025, led by Rocket Mortgage with 3. 3 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. 5 banks and 0 credit unions closed home loans in Elkhorn City, Kentucky in 2025, alongside 11 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 Elkhorn City, 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 Elkhorn City, 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 Elkhorn City. 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.
