Mortgage Lenders and Brokers in Harrodsburg, 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
Harrodsburg, Kentucky mortgage lenders include Community Trust Bank, Inc.Community Trust Bank, Inc.570 Chestnut St, Harrodsburg, KY 40330A+5.0 ★Texas Ratio: 3.53%, First Financial BankFirst Financial Bank104 S Chiles St, Harrodsburg, KY 40330A+5.0 ★Texas Ratio: 3.21%, Whitaker Bank IncWhitaker Bank Inc920 S College St, Harrodsburg, KY 40330A+5.0 ★Texas Ratio: 1.23%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union511 Joseph Dr, Harrodsburg, KY 40330, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, Monticello Banking CompanyMonticello Banking Company310 N Cross St, Albany, KY 42602A+5.0 ★Texas Ratio: 0.91%, Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%, Fifth Third Bank, National AssociationFifth Third Bank, National Association628 S College St, Harrodsburg, KY 40330A+5.0 ★Texas Ratio: 3.22%, and Town & Country Bank and Trust Co.Town & Country Bank and Trust Co.237 Nelson Plaza, Bardstown, KY 40004. 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 Harrodsburg, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Harrodsburg 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 Harrodsburg, Kentucky
Market share is the lender's share of all home loans closed in Harrodsburg, 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 Harrodsburg 570 Chestnut St, Harrodsburg, KY 40330 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 11 +6 HELOCs |
3.9% | 91.7% | $268,636 | View |
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1 office in Harrodsburg 104 S Chiles St, Harrodsburg, KY 40330 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +11 HELOCs |
0% | 0% | View | |
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920 S College St, Harrodsburg, KY 40330 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 31 | 11% | 91.2% | $135,322 | View |
Commonwealth Federal Credit Union
511 Joseph Dr, Harrodsburg, KY 40330 |
Conventional, HELOC | 9 +11 HELOCs |
3.2% | 83.3% | $163,888 | |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA | 6 | 2.1% | 85.7% | $195,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 1.8% | 83.3% | $209,000 | View |
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★ 5 stars, 1 review 310 N Cross St, Albany, KY 42602 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 5 | 1.8% | 100% | $155,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, HELOC | 4 +10 HELOCs |
1.4% | 66.7% | $170,000 | View |
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628 S College St, Harrodsburg, KY 40330 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +10 HELOCs |
0.7% | 40% | $105,000 | View |
Town & Country Bank and Trust Co.
237 Nelson Plaza, Bardstown, KY 40004 |
Conventional | 2 | 0.7% | 100% | $285,000 | |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 0.7% | 100% | $310,000 | 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 +2 HELOCs |
0.4% | 100% | $245,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
FHA, HELOC | 1 +1 HELOCs |
0.4% | 100% | $245,000 | View |
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9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 33.3% | $175,000 | View |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $215,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 33.3% | $215,000 | View |
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235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62% |
FHA | 1 | 0.4% | 100% | $315,000 | View |
Farmers Bank
200 N Main St, Nicholasville, KY 40356 |
Conventional | 1 | 0.4% | 100% | $105,000 | |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
FHA | 1 | 0.4% | 100% | $255,000 | View |
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221 W 5th St, Benton, KY 42025 A+5.0 ★Texas Ratio: 3.65% |
Conventional | 1 | 0.4% | 100% | $125,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
VA | 1 | 0.4% | 100% | $135,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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502 W Dixie Ave, Elizabethtown, KY 42701 A5.0 ★Texas Ratio: 9.97% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, VA, USDA | 6 | 2.1% | 85.7% | $196,666 | |
Central Kentucky Agricultural
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Conventional | 4 | 1.4% | 100% | $240,000 | |
University of Ky FCU
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Conventional, HELOC | 1 +4 HELOCs |
0.4% | 33.3% | $365,000 | |
Field & Main Bank
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Conventional | 1 | 0.4% | 100% | $125,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.4% | 100% | $765,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 24 | 8.5% | 61.4% | $140,833 | |
New American Funding, LLC.
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Conventional, FHA, USDA | 18 | 6.4% | 95% | $134,444 | |
T2 Financial LLC
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Conventional, FHA, VA, USDA | 14 | 4.9% | 100% | $224,285 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, USDA | 13 | 4.6% | 86.7% | $159,615 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 11 +1 HELOCs |
3.9% | 73.3% | $265,909 | |
Mortgage Research Center
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VA | 8 | 2.8% | 66.7% | $331,250 | |
Republic State Mortgage Company
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Conventional, FHA | 7 | 2.5% | 100% | $219,285 | |
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A+5.0 ★Texas Ratio: 4.72% |
FHA, USDA | 6 | 2.1% | 75% | $190,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 4 +1 HELOCs |
1.4% | 66.7% | $177,500 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, VA | 4 | 1.4% | 100% | $207,500 | View |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.4% | 66.7% | $245,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.4% | 36.4% | $122,500 | |
Royal United Mortgage LLC
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Conventional, VA | 3 | 1.1% | 100% | $155,000 | |
Newrez LLC
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FHA, USDA | 3 | 1.1% | 75% | $158,333 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.1% | 42.9% | $111,666 | |
Tjc Mortgage Inc
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Conventional, FHA | 3 | 1.1% | 100% | $171,666 | |
Goprime Mortgage, Inc.
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Conventional, USDA | 3 | 1.1% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.7% | 100% | $165,000 | |
Canopy Mortgage, LLC
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FHA, USDA | 2 | 0.7% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $180,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 0.7% | 66.7% | $135,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $215,000 | |
Click n' Close, Inc.
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FHA, USDA | 2 | 0.7% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional, VA | 2 | 0.7% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 2 | 0.7% | 100% | $265,000 | View |
Geneva Financial LLC
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Conventional, USDA | 2 | 0.7% | 100% | $195,000 | |
Mortgage Investors Group
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Conventional | 2 | 0.7% | 100% | $175,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.7% | 18.2% | $135,000 | |
Polaris Home Funding Corp.
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VA | 1 | 0.4% | 100% | $205,000 | |
Interlinc Mortgage Services, LLC
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VA | 1 | 0.4% | 100% | $175,000 | |
Ruoff Mortgage Company
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USDA | 1 | 0.4% | 100% | $255,000 | |
American Financial Resources LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
SWBC Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $225,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.4% | 100% | $65,000 | |
Envoy Mortgage, Ltd
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FHA | 1 | 0.4% | 100% | $175,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.4% | 100% | $215,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 50% | $185,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.4% | 50% | $195,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 0.4% | 100% | $55,000 | |
United Trust Bank
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FHA | 1 | 0.4% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
Bayshore Mortgage Funding
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Conventional | 1 | 0.4% | 100% | $255,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 50% | $175,000 | |
Atlantic Bay Mortgage Group
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VA | 1 | 0.4% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
Agfirst Farm Credit Bank
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Conventional | 1 | 0.4% | 100% | $265,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.4% | 33.3% | $255,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.4% | 100% | $275,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Fairway Independent Mort Corp
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VA, Jumbo | 1 | 0.4% | 100% | $1,025,000 | |
The Home Savings and Loan Company of Kenton, Ohio
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Paramount Residential Mortgage
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VA, Jumbo | 1 | 0.4% | 100% | $925,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.4% | 50% | $55,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.4% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
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 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Harrodsburg 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 Harrodsburg, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Harrodsburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Harrodsburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Harrodsburg, KY
Use these to narrow the list above. Each category shows how many Harrodsburg, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Harrodsburg, KY
Independent mortgage companies closed 60.1 percent of home loans in Harrodsburg, Kentucky in 2025, banks 33.2 percent and credit unions 6.7 percent. Stockton Mortgage Corporation was the largest mortgage company, Community Trust Bank, Inc. the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Community Trust Bank, Inc. led with 11 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 Harrodsburg, KY
By home loans closed in 2025, Community Trust Bank, Inc. was the largest mortgage lender in Harrodsburg, Kentucky with 11 loans, about 3.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
33 lenders closed FHA loans in Harrodsburg, Kentucky in 2025, led by Rocket Mortgage with 7. 17 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. 33 banks and 6 credit unions closed home loans in Harrodsburg, Kentucky in 2025, alongside 50 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 Harrodsburg, 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 Harrodsburg, 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 Harrodsburg. 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.
