Mortgage Lenders and Brokers in Fort Thomas, 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
Fort Thomas, Kentucky mortgage lenders include Guardian Savings BankGuardian Savings Bank14 S Fort Thomas Ave, Fort Thomas, KY 41075A+5.0 ★Texas Ratio: 1.35%, Fifth Third Bank, National AssociationFifth Third Bank, National Association131 N Fort Thomas Ave, Fort Thomas, KY 41075A+5.0 ★Texas Ratio: 3.22%, US Bank, N.A.US Bank, N.A.2 S Fort Thomas Ave, Fort Thomas, KY 41075A+5.0 ★Texas Ratio: 2.85%, German American BankGerman American Bank602 S Fort Thomas Ave, Fort Thomas, KY 41075A+5.0 ★Texas Ratio: 1.93%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA11 S Grand Ave, Fort Thomas, KY 41075A+5.0 ★Texas Ratio: 3.68%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.34 N Fort Thomas Ave, Fort Thomas, KY 41075A+5.0 ★Texas Ratio: 3.87%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, Heritage Bank, INCHeritage Bank, INC7593 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 4.11%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, and PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%. 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 Fort Thomas, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fort Thomas 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 Fort Thomas, Kentucky
Market share is the lender's share of all home loans closed in Fort Thomas, 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 Fort Thomas 14 S Fort Thomas Ave, Fort Thomas, KY 41075 A+5.0 ★Texas Ratio: 1.35% |
Conventional, VA, HELOC | 26 +10 HELOCs |
9.4% | 86.7% | $285,769 | View |
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1 office in Fort Thomas 131 N Fort Thomas Ave, Fort Thomas, KY 41075 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, Jumbo, HELOC | 12 +42 HELOCs |
4.3% | 86.7% | $415,833 | View |
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1 office in Fort Thomas 2 S Fort Thomas Ave, Fort Thomas, KY 41075 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 6 +8 HELOCs |
2.2% | 66.7% | $273,333 | View |
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1 office in Fort Thomas 602 S Fort Thomas Ave, Fort Thomas, KY 41075 A+5.0 ★Texas Ratio: 1.93% |
Conventional, HELOC | 5 +2 HELOCs |
1.8% | 100% | $407,000 | View |
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1 office in Fort Thomas 11 S Grand Ave, Fort Thomas, KY 41075 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 1.1% | 100% | $328,333 | View |
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1 office in Fort Thomas 34 N Fort Thomas Ave, Fort Thomas, KY 41075 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +15 HELOCs |
0% | n/a | View | |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 15 +10 HELOCs |
5.4% | 88.2% | $429,000 | View |
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7593 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 4 | 1.4% | 100% | $210,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 3 +3 HELOCs |
1.1% | 100% | $218,333 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
FHA, HELOC | 1 +8 HELOCs |
0.4% | 100% | $225,000 | 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 +5 HELOCs |
0.4% | 33.3% | $745,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $115,000 | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 100% | $295,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.4% | 100% | $265,000 | |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +4 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 | |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, Jumbo | 20 | 7.2% | 100% | $312,500 | |
Victory Mortgage, LLC
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Conventional | 9 | 3.2% | 100% | $553,888 | |
First Equity Mortgage Inc
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Conventional | 1 | 0.4% | 100% | $165,000 | |
University of Ky FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 22 +1 HELOCs |
7.9% | 100% | $383,181 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 16 | 5.8% | 100% | $470,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 4.7% | 82.4% | $233,461 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo | 11 | 4% | 100% | $369,545 | |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 7 | 2.5% | 100% | $326,428 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 7 | 2.5% | 87.5% | $199,285 | |
Union Home Mortgage Corp.
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Conventional | 6 | 2.2% | 100% | $395,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 5 | 1.8% | 100% | $259,000 | |
loanDepot.com LLC
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Conventional, FHA, VA | 4 | 1.4% | 100% | $215,000 | |
Union Savings Bank
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Conventional, Jumbo, HELOC | 3 +2 HELOCs |
1.1% | 100% | $421,666 | |
Nbkc Bank
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VA | 3 | 1.1% | 100% | $528,333 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 2 +6 HELOCs |
0.7% | 100% | $435,000 | View |
Cinfed Federal Credit Union
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $160,000 | |
First Community Mortgage, Inc.
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Conventional, FHA | 2 | 0.7% | 100% | $240,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 0.7% | 100% | $440,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 2 | 0.7% | 100% | $150,000 | View |
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A+5.0 ★Texas Ratio: 2.05% |
Conventional | 2 | 0.7% | 100% | $260,000 | View |
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A+5.0 ★Texas Ratio: 2.56% |
Conventional | 2 | 0.7% | 100% | $20,000 | View |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.7% | 100% | $225,000 | |
Mortgage Research Center
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VA | 2 | 0.7% | 100% | $275,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.7% | 100% | $210,000 | |
New American Funding, LLC.
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Conventional, VA | 2 | 0.7% | 100% | $270,000 | |
Lower, LLC
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Conventional | 2 | 0.7% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 2 | 0.7% | 100% | $170,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
FHA, HELOC | 1 +2 HELOCs |
0.4% | 100% | $275,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $395,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.4% | 100% | $955,000 | View |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
Ruoff Mortgage Company
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Conventional | 1 | 0.4% | 100% | $175,000 | |
Cornerstone First Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 0.68% |
Conventional | 1 | 0.4% | 100% | $595,000 | View |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 33.3% | $215,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.4% | 50% | $295,000 | |
Newrez LLC
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FHA | 1 | 0.4% | 50% | $185,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 1 | 0.4% | 100% | $1,255,000 | View |
Resicentral LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 50% | $225,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.4% | 100% | $305,000 | |
General Mortgage Capital Corporation
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Conventional | 1 | 0.4% | 100% | $545,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $335,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.4% | 100% | $285,000 | |
Advisors Mortgage Group, LLC
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 25% | $55,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.4% | 100% | $165,000 | |
Wright Patt Credit Union Inc
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Rapid Mortgage Company
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Conventional | 1 | 0.4% | 100% | $185,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.4% | 100% | $405,000 | View |
Andrews Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
Better Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $295,000 | |
1st National Bank
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Conventional | 1 | 0.4% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $185,000 | |
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A-4.9 ★Texas Ratio: 16.01% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.4% | 100% | $285,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.4% | 100% | $175,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $715,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 0.4% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.4% | 50% | $85,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $305,000 | |
Superior Credit Union, Inc.
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Conventional | 1 | 0.4% | 100% | $195,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $265,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.4% | 100% | $285,000 | |
General Electric Credit Union
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HELOC | 0 +6 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
North Side Bank & Trust Company
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 3.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Fort Thomas 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 Fort Thomas, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Fort Thomas? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Fort Thomas in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Fort Thomas, KY
Use these to narrow the list above. Each category shows how many Fort Thomas, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Fort Thomas, KY
Independent mortgage companies closed 51.4 percent of home loans in Fort Thomas, Kentucky in 2025, banks 43.9 percent and credit unions 4.7 percent. Stockton Mortgage Corporation was the largest mortgage company, Guardian Savings Bank the largest bank and Commonwealth 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 Fort Thomas, KY
By home loans closed in 2025, Guardian Savings Bank was the largest mortgage lender in Fort Thomas, Kentucky with 26 loans, about 9.4 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.
22 lenders closed FHA loans in Fort Thomas, Kentucky in 2025, led by Rocket Mortgage with 3. 12 lenders closed VA loans, led by Plains Commerce Bank. 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. 41 banks and 12 credit unions closed home loans in Fort Thomas, Kentucky in 2025, alongside 44 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 Fort Thomas, 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 Fort Thomas, 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 Fort Thomas. 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.
