Mortgage Lenders and Brokers in Flatwoods, 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
Flatwoods, Kentucky mortgage lenders include City National Bank of WVCity National Bank of WV1800 Argillite Rd, Flatwoods, KY 41139A+5.0 ★Texas Ratio: 1.47%, Commercial Bank of GraysonCommercial Bank of Grayson208 E Main St, Grayson, KY 41143B4.6 ★Texas Ratio: 19.32%, Members Choice Credit UnionMembers Choice Credit Union1315 CANNONSBURG RD, ASHLAND, KY 41102A+5.0 ★Texas Ratio: 5.97%, Kentucky Farmers Bank CorporationKentucky Farmers Bank Corporation835 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 1.41%, Community Trust Bank, Inc.Community Trust Bank, Inc.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.7300 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.87%, Peoples BankPeoples Bank6601 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 3.39%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Members Heritage CUMembers Heritage CU3301 Leestown Rd, Lexington, KY 40511 8702A+5.0 ★Texas Ratio: 4.52%, and Citizens Bank of Kentucky, Inc.Citizens Bank of Kentucky, Inc.6474 Kentucky 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.26%. 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 Flatwoods, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flatwoods 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 Flatwoods, Kentucky
Market share is the lender's share of all home loans closed in Flatwoods, 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 Flatwoods 1800 Argillite Rd, Flatwoods, KY 41139 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 21 +10 HELOCs |
15.7% | 73.3% | $147,857 | View |
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208 E Main St, Grayson, KY 41143 B4.6 ★Texas Ratio: 19.32% |
Conventional | 15 | 11.2% | 100% | $85,000 | View |
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1315 CANNONSBURG RD, ASHLAND, KY 41102 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 11 | 8.2% | 70.6% | $101,363 | View |
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835 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 1.41% |
Conventional | 4 | 3% | 100% | $155,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 3 | 2.2% | 100% | $141,666 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
FHA | 2 | 1.5% | 100% | $170,000 | View |
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6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
Conventional, HELOC | 1 +11 HELOCs |
0.7% | 50% | $155,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.7% | 50% | $195,000 | View |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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6474 Kentucky 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 1 | 0.7% | 100% | $125,000 | 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 +4 HELOCs |
0% | 0% | View | |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
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1300 CENTRAL AVE, ASHLAND, KY 41101 7550 A5.0 ★Texas Ratio: 7.03% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 9 | 6.7% | 81.8% | $125,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 9.7% | 77.8% | $101,923 | |
Equity Prime Mortgage LLC
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USDA | 13 | 9.7% | 100% | $142,692 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 9 | 6.7% | 83.3% | $152,777 | |
Mortgage Research Center
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Conventional, VA | 4 | 3% | 66.7% | $157,500 | |
Desco Federal Credit Union
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Conventional | 3 | 2.2% | 100% | $101,666 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 1.5% | 66.7% | $100,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 1.5% | 100% | $115,000 | |
Pennymac Loan Services LLC
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FHA, VA | 2 | 1.5% | 100% | $135,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1.5% | 100% | $125,000 | |
Bayshore Mortgage Funding
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FHA, USDA | 2 | 1.5% | 100% | $185,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1.5% | 100% | $70,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 1.5% | 100% | $190,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 1 | 0.7% | 100% | $265,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.7% | 100% | $125,000 | |
Kind Lending, LLC
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VA | 1 | 0.7% | 100% | $135,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.7% | 100% | $85,000 | |
myCUmortgage
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FHA | 1 | 0.7% | 100% | $265,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.7% | 100% | $275,000 | |
New Day Financial, LLC.
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VA | 1 | 0.7% | 100% | $165,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $165,000 | |
Paramount Residential Mortgage
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FHA | 1 | 0.7% | 100% | $165,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Flatwoods 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 Flatwoods, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Flatwoods? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flatwoods in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Flatwoods, KY
Use these to narrow the list above. Each category shows how many Flatwoods, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Flatwoods, KY
Independent mortgage companies closed 51.5 percent of home loans in Flatwoods, Kentucky in 2025, banks 35.8 percent and credit unions 12.7 percent. Stockton Mortgage Corporation was the largest mortgage company, City National Bank of WV the largest bank and Members Choice Credit Union the largest credit union. Among lenders headquartered in Kentucky, Commercial Bank of Grayson led with 15 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 Flatwoods, KY
By home loans closed in 2025, City National Bank of WV was the largest mortgage lender in Flatwoods, Kentucky with 21 loans, about 15.7 percent of the market. The largest lender headquartered in Kentucky was Commercial Bank of Grayson with 15 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Flatwoods, Kentucky in 2025, led by United Wholesale Mortgage with 6. 8 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 10 banks and 6 credit unions closed home loans in Flatwoods, Kentucky in 2025, alongside 20 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 Flatwoods, 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 Flatwoods, 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 Flatwoods. 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.
