Mortgage Lenders and Brokers in Falmouth, 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
Falmouth, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.303 Ridgeway Ave, Falmouth, KY 41040A+5.0 ★Texas Ratio: 2.85%, Heritage Bank, INCHeritage Bank, INC1057 Ridgeway Ave, Falmouth, KY 41040A+5.0 ★Texas Ratio: 4.11%, Fifth Third Bank, National AssociationFifth Third Bank, National Association280 Ridgeway Ave, Falmouth, KY 41040A+5.0 ★Texas Ratio: 3.22%, Truist BankTruist Bank515 Barkley St, Falmouth, KY 41040A+5.0 ★Texas Ratio: 2.87%, The First National Bank of BrooksvilleThe First National Bank of Brooksville107 East Miami Street, Brooksville, KY 41004A+5.0 ★Texas Ratio: 5.36%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, Community Trust Bank, Inc.Community Trust Bank, Inc.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, First Financial BankFirst Financial BankLimaburg Road And Jones Circle, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.21%, Bank of LexingtonBank of Lexington6409 Polo Club Ln, Lexington, KY 40509A+5.0 ★Texas Ratio: 0.09%, and Bank of America NABank of America NA520 W New Circle Rd, Lexington, KY 40511A+5.0 ★Texas Ratio: 4.14%. 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 Falmouth, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Falmouth 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 Falmouth, Kentucky
Market share is the lender's share of all home loans closed in Falmouth, 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 Falmouth 303 Ridgeway Ave, Falmouth, KY 41040 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 11 +2 HELOCs |
12.1% | 68.8% | $94,090 | View |
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1 office in Falmouth 1057 Ridgeway Ave, Falmouth, KY 41040 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 8 | 8.8% | 100% | $113,750 | View |
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1 office in Falmouth 280 Ridgeway Ave, Falmouth, KY 41040 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 6 +7 HELOCs |
6.6% | 75% | $141,666 | View |
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★ 1 stars, 1 review 1 office in Falmouth 515 Barkley St, Falmouth, KY 41040 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA | 4 | 4.4% | 80% | $87,500 | View |
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107 East Miami Street, Brooksville, KY 41004 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 5.5% | 83.3% | $41,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA | 4 | 4.4% | 80% | $217,500 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 3 | 3.3% | 75% | $278,333 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 50% | $385,000 | View |
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★ 3.5 stars, 2 reviews 6409 Polo Club Ln, Lexington, KY 40509 A+5.0 ★Texas Ratio: 0.09% |
Conventional | 1 | 1.1% | 100% | $275,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 1.1% | 100% | $65,000 | View |
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406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 1.1% | 100% | $235,000 | 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 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 4 | 4.4% | 100% | $177,500 | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 3.3% | 100% | $138,333 | |
University of Ky FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 5 | 5.5% | 50% | $163,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 4 | 4.4% | 80% | $250,000 | |
Mortgage Research Center
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VA | 3 | 3.3% | 100% | $275,000 | |
Polaris Home Funding Corp.
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FHA | 2 | 2.2% | 100% | $115,000 | |
United Wholesale Mortgage
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Conventional, FHA | 2 | 2.2% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 2 | 2.2% | 100% | $135,000 | View |
Freedom Mortgage Corporation
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FHA | 2 | 2.2% | 66.7% | $280,000 | |
Success Mortgage Partners, Inc
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Conventional, VA | 2 | 2.2% | 100% | $115,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 1.1% | 100% | $235,000 | |
Newrez LLC
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FHA | 1 | 1.1% | 50% | $275,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $265,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.1% | 100% | $165,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.1% | 100% | $135,000 | |
Amerisave Mortgage Company
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VA | 1 | 1.1% | 20% | $445,000 | |
Cmg Mortgage Inc
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FHA | 1 | 1.1% | 100% | $205,000 | |
Strong Home Mortgage, LLC
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VA | 1 | 1.1% | 100% | $205,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 1.1% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1.1% | 100% | $195,000 | View |
American Pacific Mortgage Corporation
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USDA | 1 | 1.1% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 0.96% |
FHA | 1 | 1.1% | 100% | $145,000 | View |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.1% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 1.1% | 100% | $465,000 | View |
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★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 1.1% | 100% | $75,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.1% | 100% | $165,000 | View |
Top Flite Financial, Inc.
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FHA | 1 | 1.1% | 100% | $135,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cinfed Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Communityamerica Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
General Electric Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Falmouth 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 Falmouth, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Falmouth? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Falmouth in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Falmouth, KY
Use these to narrow the list above. Each category shows how many Falmouth, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Falmouth, KY
Independent mortgage companies closed 42.9 percent of home loans in Falmouth, Kentucky in 2025, banks 57.1 percent and credit unions 0 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and University of Ky FCU the largest credit union. Among lenders headquartered in Kentucky, Heritage Bank, INC led with 8 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 Falmouth, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Falmouth, Kentucky with 11 loans, about 12.1 percent of the market. The largest lender headquartered in Kentucky was Heritage Bank, INC with 8 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Falmouth, Kentucky in 2025, led by Rocket Mortgage with 3. 4 lenders closed VA loans, led by Mortgage Research Center, and 2 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 4 credit unions closed home loans in Falmouth, Kentucky in 2025, alongside 22 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 Falmouth, 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 Falmouth, 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 Falmouth. 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.
