Mortgage Lenders and Brokers in Elkton, 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
Elkton, Kentucky mortgage lenders include First Financial Bank NAFirst Financial Bank NAHopkinsville Street, Elkton, KY 42220A+5.0 ★Texas Ratio: 4.65%, United Southern BankUnited Southern Bank808 S Main St, Elkton, KY 42220, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103, Planters Bank, Inc.Planters Bank, Inc.50 Oak Hts, Dawson Springs, KY 42408A+5.0 ★Texas Ratio: 4.72%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, Regions BankRegions Bank507 Main St, Benton, KY 42025A+5.0 ★Texas Ratio: 4.37%, FirstbankFirstbank5290 Scottsville Rd, Bowling Green, KY 42104A5.0 ★Texas Ratio: 7.51%, Truist BankTruist Bank2750 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.87%, and South Central Bank IncSouth Central Bank Inc3505 Louisville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.83%. 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 Elkton, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elkton 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 Elkton, Kentucky
Market share is the lender's share of all home loans closed in Elkton, 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 Elkton Hopkinsville Street, Elkton, KY 42220 A+5.0 ★Texas Ratio: 4.65% |
Conventional | 1 | 1.1% | 100% | $105,000 | View |
United Southern Bank
808 S Main St, Elkton, KY 42220 |
Conventional | 5 | 5.6% | 83.3% | $115,000 | |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA | 2 | 2.2% | 40% | $110,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
FHA, USDA | 2 | 2.2% | 100% | $210,000 | |
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50 Oak Hts, Dawson Springs, KY 42408 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 2.2% | 100% | $135,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
FHA, USDA | 2 | 2.2% | 100% | $235,000 | View |
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507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 1.1% | 100% | $305,000 | View |
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5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 1.1% | 100% | $65,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 1.1% | 100% | $45,000 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, VA, USDA | 13 | 14.6% | 92.9% | $217,307 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.1% | 100% | $105,000 | |
Mortgage Research Center
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VA | 7 | 7.9% | 70% | $237,857 | |
First Community Mortgage, Inc.
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Conventional, VA | 5 | 5.6% | 100% | $289,000 | |
Rocket Mortgage
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Conventional, FHA | 5 | 5.6% | 71.4% | $261,000 | |
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A+5.0 ★Texas Ratio: 3.76% |
Conventional, VA, HELOC | 3 +2 HELOCs |
3.4% | 75% | $181,666 | |
United Wholesale Mortgage
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FHA | 3 | 3.4% | 60% | $371,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 3.4% | 100% | $165,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 3.4% | 100% | $155,000 | |
Gershman Investment Corp.
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Conventional, FHA | 3 | 3.4% | 100% | $148,333 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 2.2% | 100% | $345,000 | |
Guaranteed Rate, Inc.
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FHA, VA | 2 | 2.2% | 100% | $280,000 | |
FirstTrust Home Loans
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Conventional, VA | 2 | 2.2% | 100% | $330,000 | |
City 1st Mortgage Services, LC
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Conventional, FHA | 2 | 2.2% | 100% | $120,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 2.2% | 100% | $95,000 | |
21St Mortgage
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Conventional | 2 | 2.2% | 66.7% | $110,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 1.1% | 66.7% | $375,000 | |
Canopy Mortgage, LLC
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USDA | 1 | 1.1% | 100% | $215,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.1% | 100% | $155,000 | |
Cmg Mortgage Inc
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FHA | 1 | 1.1% | 100% | $415,000 | |
Discover Bank
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Conventional | 1 | 1.1% | 100% | $35,000 | |
Intercoastal Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
FHA | 1 | 1.1% | 100% | $235,000 | View |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.1% | 50% | $205,000 | View |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 1.1% | 100% | $395,000 | View |
Tjc Mortgage Inc
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VA | 1 | 1.1% | 100% | $235,000 | |
Legacy Home Loans, LLC
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FHA | 1 | 1.1% | 100% | $265,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 1.1% | 100% | $515,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.1% | 100% | $75,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.1% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Elkton 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 Elkton, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Elkton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elkton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elkton, KY
Use these to narrow the list above. Each category shows how many Elkton, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Elkton, KY
Independent mortgage companies closed 66.3 percent of home loans in Elkton, Kentucky in 2025, banks 27 percent and credit unions 6.7 percent. Stockton Mortgage Corporation was the largest mortgage company, First Financial Bank NA the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, United Southern Bank led with 5 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 Elkton, KY
By home loans closed in 2025, First Financial Bank NA was the largest mortgage lender in Elkton, Kentucky with 1 loans, about 1.1 percent of the market. The largest lender headquartered in Kentucky was United Southern Bank with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Elkton, Kentucky in 2025, led by Stockton Mortgage Corporation with 4. 14 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. 16 banks and 3 credit unions closed home loans in Elkton, Kentucky in 2025, alongside 23 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 Elkton, 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 Elkton, 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 Elkton. 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.
