Mortgage Lenders and Brokers in Eminence, 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
Eminence, Kentucky mortgage lenders include Peoples BankPeoples Bank646 Elm St, Eminence, KY 40019A+5.0 ★Texas Ratio: 3.39%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company111 Chaplin Rd, Bloomfield, KY 40008A+5.0 ★Texas Ratio: 1.99%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, Traditional Bank IncTraditional Bank Inc1140 Us 127 South, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.69%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, and US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%. 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 Eminence, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Eminence 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 Eminence, Kentucky
Market share is the lender's share of all home loans closed in Eminence, 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 Eminence 646 Elm St, Eminence, KY 40019 A+5.0 ★Texas Ratio: 3.39% |
HELOC | 0 +9 HELOCs |
0% | 0% | View | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 3 +1 HELOCs |
3.3% | 60% | $145,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 3.3% | 100% | $198,333 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
FHA, USDA, HELOC | 2 +1 HELOCs |
2.2% | 100% | $260,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
FHA | 2 | 2.2% | 100% | $270,000 | 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% | $195,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 1 +3 HELOCs |
1.1% | 100% | $85,000 | |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 100% | $225,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $365,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.1% | 100% | $105,000 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 1.1% | 100% | $255,000 | View |
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45 Highway 42 E, Bedford, KY 40006 A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 1.1% | 100% | $65,000 | View |
United Citizens Bank & Trust Company
5364 S Main St, Eminence, KY 40019 |
Conventional | 1 | 1.1% | 50% | $55,000 | |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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FHA | 1 | 1.1% | 100% | $195,000 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 1 | 1.1% | 100% | $1,165,000 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 22 | 24.2% | 88% | $261,818 | |
Rocket Mortgage
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Conventional, FHA | 6 | 6.6% | 100% | $161,666 | |
United Wholesale Mortgage
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Conventional, FHA | 4 | 4.4% | 71.4% | $170,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
3.3% | 100% | $158,333 | View |
Primary Residential Mortgage, INC.
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Conventional, FHA | 3 | 3.3% | 75% | $151,666 | |
Mortgage Research Center
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VA | 3 | 3.3% | 75% | $285,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 2.2% | 100% | $285,000 | |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 2.2% | 100% | $135,000 | |
New American Funding, LLC.
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Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $105,000 | |
Lower, LLC
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FHA, HELOC | 1 +1 HELOCs |
1.1% | 100% | $185,000 | |
Interlinc Mortgage Services, LLC
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USDA | 1 | 1.1% | 100% | $225,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 1.1% | 100% | $115,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $135,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.1% | 100% | $55,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.1% | 100% | $205,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.1% | 100% | $305,000 | |
Kind Lending, LLC
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FHA | 1 | 1.1% | 50% | $305,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 50% | $135,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 50% | $95,000 | |
American Financial Network, Inc.
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FHA | 1 | 1.1% | 100% | $255,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.1% | 100% | $225,000 | |
The Mortgage Warehouse, LLC
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Conventional | 1 | 1.1% | 100% | $315,000 | |
T2 Financial LLC
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VA | 1 | 1.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 1.1% | 100% | $235,000 | View |
Nationstar Mortgage
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FHA | 1 | 1.1% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.1% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 1.1% | 100% | $285,000 | View |
Paramount Residential Mortgage
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VA | 1 | 1.1% | 100% | $295,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.1% | 50% | $125,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 1.1% | 100% | $155,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 1.1% | 100% | $255,000 | |
Leaderone Financial Corp.
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FHA | 1 | 1.1% | 100% | $115,000 | |
Village Capital & Investment
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VA | 1 | 1.1% | 100% | $235,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Eminence 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 Eminence, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Eminence? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Eminence in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Eminence, KY
Use these to narrow the list above. Each category shows how many Eminence, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Eminence, KY
Independent mortgage companies closed 73.6 percent of home loans in Eminence, Kentucky in 2025, banks 25.3 percent and credit unions 1.1 percent. Stockton Mortgage Corporation was the largest mortgage company, Peoples Bank the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Stock Yards Bank & Trust Company led with 3 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 Eminence, KY
By home loans closed in 2025, Peoples Bank was the largest mortgage lender in Eminence, Kentucky with 0 loans, about 0 percent of the market. The largest lender headquartered in Kentucky was Stock Yards Bank & Trust Company with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
21 lenders closed FHA loans in Eminence, Kentucky in 2025, led by DHI Mortgage Company, LTD. with 14. 6 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. 18 banks and 1 credit unions closed home loans in Eminence, Kentucky in 2025, alongside 32 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 Eminence, 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 Eminence, 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 Eminence. 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.
