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iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Florence, Kentucky

Florence, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.7685 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association8100 Burlington Pike, Florence, KY 41042A+5.0 ★Texas Ratio: 3.22%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Huntington National BankHuntington National Bank8723 Us Highway 42, Florence, KY 41042A+5.0 ★Texas Ratio: 3.66%, Heritage Bank, INCHeritage Bank, INC7434 Us Highway 42, Florence, KY 41042A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA4899 Houston Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 3.68%, German American BankGerman American Bank8735 Us 42, Florence, KY 41042A+5.0 ★Texas Ratio: 1.93%, Truist BankTruist Bank1065 Burlington Pike, Florence, KY 41042A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.8810 Us Highway 42, Florence, KY 41042A+5.0 ★Texas Ratio: 4.24%, and First National Bank of KentuckyFirst National Bank of Kentucky8545 Us Highway 42, Florence, KY 41042A+5.0 ★Texas Ratio: 5.94%. 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 Florence, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Florence 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 Florence, Kentucky

Market share is the lender's share of all home loans closed in Florence, 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.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
2 offices in Florence
7685 Mall Rd, Florence, KY 41042
A+5.0 ★Texas Ratio: 2.85%
Conventional, FHA, VA, HELOC 37
+21 HELOCs
3.7% 86% $164,729 View
2 offices in Florence
8100 Burlington Pike, Florence, KY 41042
A+5.0 ★Texas Ratio: 3.22%
Conventional, FHA, VA, HELOC 35
+66 HELOCs
3.5% 80.9% $174,142 View
1 office in Florence
7550 Mall Rd, Florence, KY 41042
A+5.0 ★Texas Ratio: 1.35%
Conventional, FHA, HELOC 35
+9 HELOCs
3.5% 90.2% $291,285 View
3 offices in Florence
8723 Us Highway 42, Florence, KY 41042
A+5.0 ★Texas Ratio: 3.66%
Conventional, FHA, VA, HELOC 34
+41 HELOCs
3.4% 85.7% $276,176 View
1 office in Florence
7434 Us Highway 42, Florence, KY 41042
A+5.0 ★Texas Ratio: 4.11%
Conventional 18 1.8% 72% $126,111 View
2 offices in Florence
4899 Houston Rd, Florence, KY 41042
A+5.0 ★Texas Ratio: 3.68%
Conventional, HELOC 16
+2 HELOCs
1.6% 94.1% $206,875 View
1 office in Florence
8735 Us 42, Florence, KY 41042
A+5.0 ★Texas Ratio: 1.93%
Conventional, FHA, HELOC 12
+8 HELOCs
1.2% 92.3% $226,666 View
★ 1 stars, 1 review
2 offices in Florence
1065 Burlington Pike, Florence, KY 41042
A+5.0 ★Texas Ratio: 2.87%
Conventional, FHA, VA, HELOC 5
+9 HELOCs
0.5% 83.3% $351,000 View
★ 1.7 stars, 3 reviews
3 offices in Florence
8810 Us Highway 42, Florence, KY 41042
A+5.0 ★Texas Ratio: 4.24%
Conventional, FHA, HELOC 3
+17 HELOCs
0.3% 100% $318,333 View
1 office in Florence
8545 Us Highway 42, Florence, KY 41042
A+5.0 ★Texas Ratio: 5.94%
Conventional 3 0.3% 100% $318,333 View
1 office in Florence
7310 Turfway Rd, Florence, KY 41042
A+5.0 ★Texas Ratio: 1.26%
Conventional, HELOC 2
+3 HELOCs
0.2% 100% $160,000 View
1 office in Florence
8513 Ushwy 42, Florence, KY 41042
A+5.0 ★Texas Ratio: 2.91%
Conventional, HELOC 1
+5 HELOCs
0.1% 100% $165,000 View
1 office in Florence
7135 Houston Rd, Florence, KY 41042
A+5.0 ★Texas Ratio: 1.99%
FHA, HELOC 1
+3 HELOCs
0.1% 100% $285,000 View
Limaburg Road And Jones Circle, Burlington, KY 41005
A+5.0 ★Texas Ratio: 3.21%
Conventional, HELOC 9
+13 HELOCs
0.9% 100% $195,000 View
1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731
A+5.0 ★Texas Ratio: 1.91%
Conventional, HELOC 6
+13 HELOCs
0.6% 85.7% $255,000 View
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601
Conventional, HELOC 2
+2 HELOCs
0.2% 100% $140,000
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $85,000
507 Main St, Benton, KY 42025
A+5.0 ★Texas Ratio: 4.37%
FHA, HELOC 1
+1 HELOCs
0.1% 100% $135,000 View
520 W New Circle Rd, Lexington, KY 40511
A+5.0 ★Texas Ratio: 4.14%
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $125,000 View
107 East Miami Street, Brooksville, KY 41004
A+5.0 ★Texas Ratio: 5.36%
Conventional 1 0.1% 100% $75,000 View
406 Knox St, Barbourville, KY 40906
A+5.0 ★Texas Ratio: 0.45%
Conventional 1 0.1% 100% $445,000 View
131 Gold Vault Rd, Fort Knox, KY 40121
A+5.0 ★Texas Ratio: 4.81%
FHA 1 0.1% 100% $485,000 View
651 W Dixie Ave, Elizabethtown, KY 42701
A-5.0 ★Texas Ratio: 14.97%
FHA 1 0.1% 100% $195,000 View
7300 Alexandria Pike, Alexandria, KY 41001
A+5.0 ★Texas Ratio: 3.87%
HELOC 0
+3 HELOCs
0% n/a View
Victory Mortgage, LLC
Conventional, FHA, VA 58 5.8% 100% $344,310
First Equity Mortgage Inc
Conventional, FHA, VA 41 4.1% 89.1% $326,951
Stockton Mortgage Corporation
Conventional, FHA, VA 39 3.9% 97.5% $260,897
University of Ky FCU
HELOC 0
+2 HELOCs
0% n/a
Rocket Mortgage
Conventional, FHA, VA, HELOC 64
+1 HELOCs
6.4% 84.5% $219,687
Union Home Mortgage Corp.
Conventional, FHA, VA, HELOC 50
+2 HELOCs
5% 91.1% $252,200
United Wholesale Mortgage
Conventional, FHA, VA, HELOC 49
+1 HELOCs
4.9% 81.7% $307,857
CrossCountry Mortgage, LLC
Conventional, FHA, VA 37 3.7% 94.9% $252,297
Freedom Mortgage Corporation
Conventional, FHA, VA 25 2.5% 96.7% $266,600
21St Mortgage
Conventional 23 2.3% 23% $63,260
Pennymac Loan Services LLC
Conventional, FHA, VA 21 2.1% 91.3% $213,571
Newrez LLC
Conventional, FHA, VA 19 1.9% 73.1% $189,210
Guaranteed Rate, Inc.
Conventional, FHA, VA 17 1.7% 94.4% $303,235
Nfm, Inc
Conventional, FHA 17 1.7% 100% $273,823
Mortgage Research Center
FHA, VA 16 1.6% 72.7% $283,125
Prosperity Home Mortgage, LLC
Conventional, FHA 16 1.6% 84.2% $186,250
Nationstar Mortgage
Conventional, FHA 14 1.4% 87.5% $155,714
A5.0 ★Texas Ratio: 8.14%
Conventional, VA, HELOC 12
+2 HELOCs
1.2% 92.3% $150,833
Success Mortgage Partners, Inc
Conventional, FHA, VA 12 1.2% 100% $231,666
Union Savings Bank
Conventional, FHA, HELOC 11
+4 HELOCs
1.1% 100% $249,545
A5.0 ★Texas Ratio: 11.06%
Conventional, FHA, VA 11 1.1% 91.7% $221,363 View
Fairway Independent Mort Corp
Conventional, FHA, VA 11 1.1% 100% $245,000
Park Lane Finance SolutionsLLC
Conventional 10 1% 68.8% $64,000
A+5.0 ★Texas Ratio: 2.32%
Conventional, HELOC 8
+4 HELOCs
0.8% 50% $121,250 View
loanDepot.com LLC
Conventional, FHA 7 0.7% 100% $97,857
American Neighborhood Mortgage Acceptance Company
Conventional, FHA, VA 7 0.7% 100% $309,285
Cinfed Federal Credit Union
Conventional, HELOC 6
+4 HELOCs
0.6% 85.7% $250,000
American Financial Resources LLC
Conventional, FHA 6 0.6% 75% $226,666
Vanderbilt Mortgage and Finance, Inc
Conventional 6 0.6% 14.9% $66,666
A+5.0 ★Texas Ratio: 2.56%
Conventional, HELOC 5
+5 HELOCs
0.5% 62.5% $125,000 View
Guaranteed Rate Affinity, LLC
Conventional, FHA 5 0.5% 100% $189,000
New Day Financial, LLC.
VA 5 0.5% 54.5% $183,000
The Loan Store, Inc
Conventional 5 0.5% 100% $205,000
Zillow Home Loans, LLC
Conventional, FHA 5 0.5% 100% $223,000
A+5.0 ★Texas Ratio: 0.51%
Conventional, FHA 5 0.5% 100% $183,000 View
A5.0 ★Texas Ratio: 9.09%
Conventional, FHA, VA 5 0.5% 83.3% $325,000 View
Amerisave Mortgage Company
Conventional, VA, HELOC 4
+1 HELOCs
0.4% 45.5% $195,000
Spring Eq, LLC
Conventional, HELOC 4
+1 HELOCs
0.4% 40% $70,000
Polaris Home Funding Corp.
Conventional, FHA 4 0.4% 66.7% $165,000
Synergy One Lending, Inc.
Conventional, FHA 4 0.4% 100% $147,500
American Pacific Mortgage Corporation
Conventional, VA 4 0.4% 100% $310,000
A+5.0 ★Texas Ratio: 1.99%
Conventional, FHA 4 0.4% 100% $310,000 View
Primelending
Conventional, VA 3 0.3% 100% $391,666
Equity Prime Mortgage LLC
FHA, VA 3 0.3% 60% $278,333
Deephaven Mortgage LLC
Conventional 3 0.3% 100% $258,333
AML Funding LLC dba Absolute Mortgage & Lending
Conventional 3 0.3% 100% $258,333
Planet Home Lending, LLC
FHA, VA 3 0.3% 100% $365,000
A+5.0 ★Texas Ratio: 5.36%
Conventional 3 0.3% 100% $228,333 View
Paramount Residential Mortgage
FHA 3 0.3% 100% $301,666
General Electric Credit Union
Conventional, HELOC 2
+14 HELOCs
0.2% 57.1% $165,000
Delta Community Credit Union
Conventional, HELOC 2
+2 HELOCs
0.2% 66.7% $245,000
Better Mortgage Corporation
Conventional, HELOC 2
+1 HELOCs
0.2% 100% $310,000
A+5.0 ★Texas Ratio: 4.11%
Conventional 2 0.2% 100% $240,000 View
Ruoff Mortgage Company
Conventional, VA 2 0.2% 100% $305,000
Primary Residential Mortgage, INC.
Conventional, FHA 2 0.2% 100% $165,000
Lakeview Loan Servicing, LLC
Conventional 2 0.2% 36.4% $395,000
A+5.0 ★Texas Ratio: 2.05%
Conventional 2 0.2% 100% $155,000 View
AdvantageFirst Lending Inc
FHA 2 0.2% 100% $225,000
American Financial Network, Inc.
Conventional, FHA 2 0.2% 100% $185,000
Discover Bank
Conventional 2 0.2% 40% $85,000
Cincinnati Ohio Police Federal Credit Union
Conventional 2 0.2% 100% $30,000
Credit Human Federal Credit Un
Conventional 2 0.2% 66.7% $115,000
SIRVA Mortgage, Inc.
Conventional, FHA 2 0.2% 100% $405,000
A5.0 ★Texas Ratio: 10.25%
Conventional 2 0.2% 100% $190,000 View
B4.4 ★Texas Ratio: 21.68%
FHA, VA 2 0.2% 100% $215,000 View
Pentagon Federal Credit Union
Conventional, FHA 2 0.2% 100% $165,000
Nexera Holding LLC
Conventional 2 0.2% 100% $330,000
Carrington Mortgage Services LLC
Conventional, FHA 2 0.2% 42.9% $150,000
Plaza Home Mortgage, Inc
Conventional, FHA 2 0.2% 100% $320,000
Tammac Holdings Corporation
Conventional 2 0.2% 17.9% $60,000
A+5.0 ★Texas Ratio: 5.44%
FHA, HELOC 1
+5 HELOCs
0.1% 100% $195,000 View
North Side Bank & Trust Company
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $35,000
EMM Loans LLC
FHA 1 0.1% 100% $295,000
A+5.0 ★Texas Ratio: 3.22%
Conventional 1 0.1% 100% $355,000 View
First Community Mortgage, Inc.
FHA 1 0.1% 100% $355,000
Royal United Mortgage LLC
Conventional 1 0.1% 100% $155,000
A5.0 ★Texas Ratio: 6.15%
FHA 1 0.1% 100% $285,000 View
Greenstate Credit Union
Conventional 1 0.1% 100% $595,000
Sage Home Loans Corporation
Conventional 1 0.1% 100% $435,000
Kind Lending, LLC
FHA 1 0.1% 100% $175,000
A+5.0 ★Texas Ratio: 4.81%
Conventional 1 0.1% 100% $85,000 View
Guidance Residential, LLC
Conventional 1 0.1% 100% $225,000
PHH Mortgage Corporation
FHA 1 0.1% 100% $195,000
A+5.0 ★Texas Ratio: 5.29%
Conventional 1 0.1% 100% $415,000 View
Michigan Mutual, Inc
Conventional 1 0.1% 100% $225,000
Republic State Mortgage Company
FHA 1 0.1% 100% $215,000
Cardinal Financial Company, Li
FHA 1 0.1% 50% $315,000
Connexus Credit Union
Conventional 1 0.1% 100% $65,000
Click n' Close, Inc.
FHA 1 0.1% 100% $215,000
Schumacher Mortgage LLC
Conventional 1 0.1% 100% $565,000
Strong Home Mortgage, LLC
VA 1 0.1% 100% $255,000
A5.0 ★Texas Ratio: 10.24%
Conventional 1 0.1% 100% $55,000 View
Churchill Mortgage Corporation
Conventional 1 0.1% 100% $205,000
Provident Funding Associates
Conventional 1 0.1% 100% $435,000
Nations Lending Corporation
VA 1 0.1% 100% $275,000
T2 Financial LLC
Conventional 1 0.1% 100% $255,000
Wright Patt Credit Union Inc
Conventional 1 0.1% 100% $405,000
A+5.0 ★Texas Ratio: 2.20%
VA 1 0.1% 100% $195,000 View
A+5.0 ★Texas Ratio: 3.68%
Conventional 1 0.1% 100% $385,000 View
Mission Loans, LLC
FHA 1 0.1% 100% $305,000
V.I.P. Mortgage, Inc.
Conventional 1 0.1% 100% $415,000
Genway Home Mortgage, Inc.
VA 1 0.1% 100% $425,000
A+5.0 ★Texas Ratio: 0.96%
VA 1 0.1% 100% $355,000 View
Nations Direct Mortgage, LLC
Conventional 1 0.1% 100% $305,000
Mutual of Omaha Mortgage
Conventional 1 0.1% 50% $225,000
New American Funding, LLC.
Conventional 1 0.1% 25% $295,000
Liberty Home Mortgage Corp
FHA 1 0.1% 100% $215,000
Lower, LLC
Conventional 1 0.1% 50% $265,000
Reliance First Capital, LLC
Conventional 1 0.1% 50% $115,000
A+5.0 ★Texas Ratio: 4.72%
FHA 1 0.1% 100% $265,000 View
Figure Lending LLC
HELOC 0
+6 HELOCs
0% n/a
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+2 HELOCs
0% n/a View
Lendage, LLC dba Achieve Loans
HELOC 0
+2 HELOCs
0% n/a
Quorum Federal Credit Union
HELOC 0
+1 HELOCs
0% n/a
Elements Financial Federal Cre
HELOC 0
+1 HELOCs
0% n/a
Superior Credit Union, Inc.
HELOC 0
+1 HELOCs
0% n/a
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Florence, Kentucky

Looking for mortgage lenders near me or mortgage brokers near me in Florence? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Florence in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Florence, KY

Use these to narrow the list above. Each category shows how many Florence, KY lenders fit and what that kind of lender is usually best for.

Who Lends in Florence, KY

Independent mortgage companies closed 66.9 percent of home loans in Florence, Kentucky in 2025, banks 28.4 percent and credit unions 4.7 percent. Victory Mortgage, LLC 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 18 loans.

66.9%
Mortgage companies
28.4%
Banks
4.7%
Credit unions
21%
FHA loans
9%
VA 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 Florence, KY

Who is the largest mortgage lender in Florence, KY?

By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Florence, Kentucky with 37 loans, about 3.7 percent of the market. The largest lender headquartered in Kentucky was Heritage Bank, INC with 18 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Florence, KY have the highest approval rates?

Among lenders with meaningful volume in Florence, Kentucky, Victory Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 75.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Florence, KY mortgage lenders offer FHA, VA and USDA loans?

63 lenders closed FHA loans in Florence, Kentucky in 2025, led by Union Home Mortgage Corp. with 20. 35 lenders closed VA loans, led by Mortgage Research Center. 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.

Are credit unions and local banks included in this Florence, KY lender list?

Yes. 43 banks and 20 credit unions closed home loans in Florence, Kentucky in 2025, alongside 77 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.

How are mortgage lenders in Florence, KY ranked on this page?

Lenders are ranked only by the number of home loans they closed in Florence, 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 Florence, 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 Florence. 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.