Mortgage Lenders and Brokers in Elsmere, 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
Elsmere, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.3905 Dixie Hwy, Elsmere, KY 41018A+5.0 ★Texas Ratio: 2.85%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Heritage Bank, INCHeritage Bank, INC7593 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 4.11%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, 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%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, and Truist BankTruist Bank2750 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.87%. 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 Elsmere, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elsmere 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 Elsmere, Kentucky
Market share is the lender's share of all home loans closed in Elsmere, 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 Elsmere 3905 Dixie Hwy, Elsmere, KY 41018 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 13 +6 HELOCs |
5.1% | 76.5% | $132,692 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, HELOC | 7 +11 HELOCs |
2.7% | 87.5% | $192,142 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA | 4 | 1.6% | 66.7% | $170,000 | View |
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7593 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 4 | 1.6% | 100% | $105,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 3 +7 HELOCs |
1.2% | 50% | $188,333 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 3 +1 HELOCs |
1.2% | 100% | $135,000 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 2 +5 HELOCs |
0.8% | 100% | $215,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $185,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $205,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $215,000 | View |
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2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 1 | 0.4% | 100% | $85,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional | 1 | 0.4% | 100% | $165,000 | 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 +11 HELOCs |
0% | n/a | View | |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Stockton Mortgage Corporation
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Conventional, FHA | 8 | 3.1% | 100% | $177,500 | |
Victory Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $245,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 20 | 7.8% | 90.9% | $250,500 | |
Rocket Mortgage
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Conventional, FHA | 19 | 7.5% | 80% | $154,473 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 18 | 7.1% | 100% | $134,444 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 17 | 6.7% | 89.5% | $217,352 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 9 | 3.5% | 100% | $242,777 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 8 | 3.1% | 100% | $218,750 | View |
Freedom Mortgage Corporation
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FHA, VA | 7 | 2.7% | 100% | $205,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 7 | 2.7% | 87.5% | $145,000 | |
Nfm, Inc
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Conventional, FHA | 7 | 2.7% | 100% | $216,428 | |
Nationstar Mortgage
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Conventional | 7 | 2.7% | 100% | $123,571 | |
Mortgage Research Center
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VA | 5 | 2% | 83.3% | $289,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 5 | 2% | 100% | $211,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 1.6% | 100% | $195,000 | |
loanDepot.com LLC
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Conventional, FHA | 4 | 1.6% | 100% | $97,500 | |
Park Lane Finance SolutionsLLC
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Conventional | 4 | 1.6% | 52.2% | $32,500 | |
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A+5.0 ★Texas Ratio: 2.56% |
Conventional | 3 | 1.2% | 100% | $75,000 | View |
The Loan Store, Inc
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Conventional | 3 | 1.2% | 100% | $135,000 | |
Lower, LLC
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Conventional, FHA | 3 | 1.2% | 100% | $161,666 | |
21St Mortgage
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Conventional | 3 | 1.2% | 20% | $48,333 | |
Polaris Home Funding Corp.
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FHA | 2 | 0.8% | 100% | $185,000 | |
EMM Loans LLC
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FHA | 2 | 0.8% | 100% | $140,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.8% | 100% | $190,000 | |
Zippy Loans, LLC
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Conventional | 2 | 0.8% | 66.7% | $30,000 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.8% | 100% | $205,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.8% | 100% | $75,000 | |
Newrez LLC
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Conventional, FHA | 2 | 0.8% | 33.3% | $80,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.8% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.8% | 50% | $80,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.8% | 66.7% | $200,000 | |
Mutual of Omaha Mortgage
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Conventional, FHA | 2 | 0.8% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 2 | 0.8% | 100% | $240,000 | View |
Top Flite Financial, Inc.
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FHA | 2 | 0.8% | 100% | $190,000 | |
General Electric Credit Union
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Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $125,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 100% | $155,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 28.6% | $45,000 | |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Assurance Financial Group, L.L.C.
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FHA | 1 | 0.4% | 100% | $125,000 | |
Cincinnati Ohio Police Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.4% | 100% | $85,000 | |
Stg Mortgage Inc
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FHA | 1 | 0.4% | 100% | $185,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.4% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
Wright Patt Credit Union Inc
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.4% | 100% | $85,000 | |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.4% | 100% | $95,000 | View |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $365,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.4% | 50% | $165,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.4% | 100% | $215,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.4% | 19% | $115,000 | |
Village Capital & Investment
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FHA | 1 | 0.4% | 100% | $195,000 | |
American Neighborhood Mortgage Acceptance Company
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VA | 1 | 0.4% | 100% | $225,000 | |
Cinfed Federal Credit Union
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
North Side Bank & Trust Company
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elsmere 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 Elsmere, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Elsmere? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elsmere in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elsmere, KY
Use these to narrow the list above. Each category shows how many Elsmere, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Elsmere, KY
Independent mortgage companies closed 74.1 percent of home loans in Elsmere, Kentucky in 2025, banks 22 percent and credit unions 3.9 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Heritage Bank, INC led with 4 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 Elsmere, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Elsmere, Kentucky with 13 loans, about 5.1 percent of the market. The largest lender headquartered in Kentucky was Heritage Bank, INC with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
34 lenders closed FHA loans in Elsmere, Kentucky in 2025, led by Union Home Mortgage Corp. with 10. 7 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. 23 banks and 9 credit unions closed home loans in Elsmere, Kentucky in 2025, alongside 47 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 Elsmere, 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 Elsmere, 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 Elsmere. 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.
