Mortgage Lenders and Brokers in Franklin, 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
Franklin, Kentucky mortgage lenders include Franklin Bank & Trust CompanyFranklin Bank & Trust Company317 N Main St, Franklin, KY 42134A5.0 ★Texas Ratio: 6.93%, German American BankGerman American Bank303 N Main St, Franklin, KY 42134A+5.0 ★Texas Ratio: 1.93%, South Central Bank IncSouth Central Bank Inc204 S Main St, Franklin, KY 42134A+5.0 ★Texas Ratio: 2.83%, Regions BankRegions Bank117 W Cedar St, Franklin, KY 42134A+5.0 ★Texas Ratio: 4.37%, Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, American Bank & Trust Company Inc.American Bank & Trust Company Inc.531 Lovers Ln, Bowling Green, KY 42103A5.0 ★Texas Ratio: 10.95%, Edmonton State BankEdmonton State Bank2512 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.16%, Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%, and US Bank, N.A.US Bank, N.A.910 S Main St, Franklin, KY 42134A+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 Franklin, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Franklin 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 Franklin, Kentucky
Market share is the lender's share of all home loans closed in Franklin, 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 Franklin 317 N Main St, Franklin, KY 42134 A5.0 ★Texas Ratio: 6.93% |
Conventional | 32 | 6.7% | 94.1% | $149,062 | View |
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2 offices in Franklin 303 N Main St, Franklin, KY 42134 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, USDA, HELOC | 15 +61 HELOCs |
3.1% | 88.2% | $109,000 | View |
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1 office in Franklin 204 S Main St, Franklin, KY 42134 A+5.0 ★Texas Ratio: 2.83% |
Conventional, FHA, USDA, HELOC | 7 +19 HELOCs |
1.5% | 88.9% | $160,714 | View |
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1 office in Franklin 117 W Cedar St, Franklin, KY 42134 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 6 +5 HELOCs |
1.2% | 50% | $111,666 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional, FHA, VA, USDA, HELOC | 32 +4 HELOCs |
6.7% | 97% | $250,000 | |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA | 10 | 2.1% | 100% | $324,000 | View |
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531 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 10.95% |
Conventional | 9 | 1.9% | 100% | $216,111 | View |
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2512 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.16% |
Conventional, USDA | 8 | 1.7% | 100% | $170,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, HELOC | 4 +5 HELOCs |
0.8% | 80% | $185,000 | View |
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910 S Main St, Franklin, KY 42134 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 2 +2 HELOCs |
0.4% | 50% | $175,000 | View |
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5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.4% | 100% | $225,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 2 | 0.4% | 100% | $165,000 | View |
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1214 Ashley Cir, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 2 | 0.4% | 100% | $35,000 | View |
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2009 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 2 | 0.4% | 100% | $205,000 | View |
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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 +7 HELOCs |
0.2% | 100% | $245,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
VA, HELOC | 1 +3 HELOCs |
0.2% | 100% | $405,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $205,000 | View |
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101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
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422 College Heights Blvd, Bowling Green, KY 42101 A5.0 ★Texas Ratio: 10.24% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
FHA | 1 | 0.2% | 100% | $215,000 | View |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 18 | 3.7% | 94.7% | $223,333 | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 0.6% | 75% | $338,333 | |
Nvr Mortgage Finance, Inc.
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Conventional, FHA, VA, USDA | 50 | 10.4% | 67.6% | $214,200 | |
Rocket Mortgage
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Conventional, FHA, VA | 39 | 8.1% | 79.2% | $182,435 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA, USDA | 27 | 5.6% | 100% | $239,814 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 20 | 4.2% | 84% | $294,500 | |
First Community Mortgage, Inc.
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Conventional, FHA, VA, USDA | 17 | 3.5% | 100% | $247,941 | |
Mortgage Research Center
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Conventional, FHA, VA | 15 | 3.1% | 93.8% | $281,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 8 | 1.7% | 88.9% | $138,750 | |
Acopia, LLC
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Conventional, FHA | 8 | 1.7% | 100% | $232,500 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 1.2% | 81.8% | $248,333 | |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 1.2% | 75% | $116,666 | |
FirstTrust Home Loans
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Conventional, FHA, USDA | 6 | 1.2% | 100% | $251,666 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 1% | 83.3% | $141,000 | |
loanDepot.com LLC
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Conventional, FHA | 5 | 1% | 45.5% | $209,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 5 | 1% | 100% | $181,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 4 +1 HELOCs |
0.8% | 80% | $267,500 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 4 | 0.8% | 80% | $322,500 | |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 0.8% | 100% | $217,500 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.8% | 80% | $270,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional, FHA | 4 | 0.8% | 55.6% | $260,000 | |
Royal United Mortgage LLC
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Conventional | 3 | 0.6% | 100% | $198,333 | |
Equity Prime Mortgage LLC
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FHA | 3 | 0.6% | 100% | $231,666 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.6% | 100% | $525,000 | View |
Nationstar Mortgage
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Conventional | 3 | 0.6% | 100% | $65,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 3 | 0.6% | 50% | $211,666 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.4% | 100% | $140,000 | |
CrossCountry Mortgage, LLC
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FHA | 2 | 0.4% | 100% | $165,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.4% | 66.7% | $250,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA | 2 | 0.4% | 100% | $190,000 | View |
Sfmc, LP
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FHA | 2 | 0.4% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 0.4% | 100% | $540,000 | View |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 66.7% | $90,000 | |
American Pacific Mortgage Corporation
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Conventional, FHA | 2 | 0.4% | 100% | $180,000 | |
Iserve Residential Lending
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Conventional, USDA | 2 | 0.4% | 100% | $230,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.4% | 66.7% | $250,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.4% | 100% | $300,000 | View |
Paramount Residential Mortgage
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Conventional, FHA | 2 | 0.4% | 100% | $165,000 | |
Top Flite Financial, Inc.
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FHA | 2 | 0.4% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $275,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 33.3% | $85,000 | |
Interlinc Mortgage Services, LLC
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FHA | 1 | 0.2% | 100% | $255,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.2% | 100% | $255,000 | |
Premier Mortgage Resources, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.2% | 50% | $225,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $255,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Everett Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 66.7% | $45,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $135,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $295,000 | |
Guild Mortgage Company
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FHA | 1 | 0.2% | 100% | $105,000 | |
First Alliance Home Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $305,000 | |
Ross Mortgage Corporation
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FHA | 1 | 0.2% | 50% | $255,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.2% | 100% | $245,000 | View |
Intercoastal Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $255,000 | |
American Financing Corporation
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VA | 1 | 0.2% | 50% | $225,000 | |
Flat Branch Mortgage, Inc.
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FHA | 1 | 0.2% | 100% | $125,000 | |
Tennessee Valley Federal C U
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Conventional | 1 | 0.2% | 100% | $305,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 10.24% |
VA | 1 | 0.2% | 100% | $355,000 | View |
Planet Home Lending, LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
Nations Lending Corporation
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FHA | 1 | 0.2% | 100% | $255,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Milend, Inc
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FHA | 1 | 0.2% | 100% | $195,000 | |
Mission Loans, LLC
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Conventional | 1 | 0.2% | 100% | $175,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.2% | 100% | $255,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.2% | 50% | $275,000 | |
Legacy Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.2% | 100% | $155,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $245,000 | |
New American Funding, LLC.
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FHA | 1 | 0.2% | 100% | $85,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Lower, LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.2% | 100% | $375,000 | |
Florida Capital Bank, N.A
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Conventional | 1 | 0.2% | 100% | $235,000 | |
Mortgage Investors Group
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Conventional | 1 | 0.2% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.2% | 50% | $45,000 | View |
Leaderone Financial Corp.
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FHA | 1 | 0.2% | 100% | $225,000 | |
Southwest Funding LP
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FHA | 1 | 0.2% | 100% | $285,000 | |
Village Capital & Investment
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FHA | 1 | 0.2% | 83.3% | $185,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +2 HELOCs |
0% | n/a |
Franklin 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 Franklin, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Franklin? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Franklin in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Franklin, KY
Use these to narrow the list above. Each category shows how many Franklin, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Franklin, KY
Independent mortgage companies closed 61.5 percent of home loans in Franklin, Kentucky in 2025, banks 29.3 percent and credit unions 9.1 percent. Stockton Mortgage Corporation was the largest mortgage company, Franklin Bank & Trust Company the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Franklin Bank & Trust Company led with 32 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 Franklin, KY
By home loans closed in 2025, Franklin Bank & Trust Company was the largest mortgage lender in Franklin, Kentucky with 32 loans, about 6.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Franklin, Kentucky, Nvr Mortgage Finance, Inc. approved the highest share of completed applications in 2025 at 67.6 percent, against a 84.6 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.
53 lenders closed FHA loans in Franklin, Kentucky in 2025, led by Nvr Mortgage Finance, Inc. with 27. 23 lenders closed VA loans, led by Mortgage Research Center, and 11 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. 29 banks and 7 credit unions closed home loans in Franklin, Kentucky in 2025, alongside 70 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 Franklin, 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 Franklin, 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 Franklin. 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.
