Mortgage Lenders and Brokers in Horse Cave, 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
Horse Cave, Kentucky mortgage lenders include Peoples BankPeoples Bank201 E Main St, Horse Cave, KY 42749A+5.0 ★Texas Ratio: 3.39%, German American BankGerman American Bank204 Main Street, Horse Cave, KY 42749A+5.0 ★Texas Ratio: 1.93%, The Cecilian BankThe Cecilian Bank302 Bypass Rd, Brandenburg, KY 40108A+5.0 ★Texas Ratio: 2.60%, South Central Bank IncSouth Central Bank Inc3505 Louisville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.83%, The Lincoln National Bank of HodgenvilleThe Lincoln National Bank of Hodgenville500 Lincoln Way, Bardstown, KY 40004A+5.0 ★Texas Ratio: 2.54%, Edmonton State BankEdmonton State Bank2512 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.16%, Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%, and Franklin Bank & Trust CompanyFranklin Bank & Trust Company398 Lovers Ln, Bowling Green, KY 42103A5.0 ★Texas Ratio: 6.93%. 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 Horse Cave, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Horse Cave 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 Horse Cave, Kentucky
Market share is the lender's share of all home loans closed in Horse Cave, 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 Horse Cave 201 E Main St, Horse Cave, KY 42749 A+5.0 ★Texas Ratio: 3.39% |
Conventional, HELOC | 1 +10 HELOCs |
1.1% | 50% | $85,000 | View |
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1 office in Horse Cave 204 Main Street, Horse Cave, KY 42749 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +14 HELOCs |
0% | n/a | View | |
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302 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.60% |
Conventional, HELOC | 14 +3 HELOCs |
14.7% | 94.1% | $117,142 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
Conventional, FHA, HELOC | 8 +8 HELOCs |
8.4% | 80% | $150,000 | View |
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500 Lincoln Way, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 4 | 4.2% | 100% | $155,000 | View |
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2512 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.16% |
Conventional | 4 | 4.2% | 57.1% | $190,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional, USDA, HELOC | 3 +1 HELOCs |
3.2% | 75% | $141,666 | |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
2.1% | 100% | $70,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, HELOC | 2 +1 HELOCs |
2.1% | 50% | $140,000 | View |
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398 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 6.93% |
Conventional | 2 | 2.1% | 100% | $110,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
USDA | 2 | 2.1% | 100% | $165,000 | View |
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2441 Greensburg Rd, Buffalo, KY 42716 A+5.0 ★Texas Ratio: 5.71% |
Conventional | 1 | 1.1% | 100% | $225,000 | View |
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★ 5 stars, 1 review 310 N Cross St, Albany, KY 42602 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 1 | 1.1% | 100% | $115,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 1 | 1.1% | 100% | $205,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 1.1% | 50% | $195,000 | 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 +1 HELOCs |
0% | n/a | View | |
Farm Credit Mid-America, Aca
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Conventional | 7 | 7.4% | 100% | $130,714 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 4 | 4.2% | 100% | $187,500 | |
Rocket Mortgage
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Conventional, FHA | 7 | 7.4% | 87.5% | $175,000 | |
Bay Equity LLC
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Conventional, FHA | 3 | 3.2% | 75% | $168,333 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 3 | 3.2% | 100% | $115,000 | |
Mortgage Research Center
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FHA, VA | 3 | 3.2% | 100% | $211,666 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 3.2% | 30% | $138,333 | |
First Community Mortgage, Inc.
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Conventional, FHA | 2 | 2.1% | 100% | $170,000 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 2.1% | 66.7% | $130,000 | |
loanDepot.com LLC
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FHA, VA | 2 | 2.1% | 100% | $130,000 | |
Leaderone Financial Corp.
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FHA, USDA | 2 | 2.1% | 66.7% | $220,000 | |
Newrez LLC
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VA | 1 | 1.1% | 50% | $255,000 | |
Kind Lending, LLC
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Conventional | 1 | 1.1% | 100% | $175,000 | |
Movement Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $235,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 1.1% | 100% | $35,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 1.1% | 33.3% | $65,000 | |
Ross Mortgage Corporation
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FHA | 1 | 1.1% | 100% | $205,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 100% | $45,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 1.1% | 100% | $145,000 | |
New American Funding, LLC.
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FHA | 1 | 1.1% | 100% | $105,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 1.1% | 100% | $115,000 | |
Goprime Mortgage, Inc.
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USDA | 1 | 1.1% | 100% | $175,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Horse Cave 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 Horse Cave, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Horse Cave? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Horse Cave in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Horse Cave, KY
Use these to narrow the list above. Each category shows how many Horse Cave, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Horse Cave, KY
Independent mortgage companies closed 49.5 percent of home loans in Horse Cave, Kentucky in 2025, banks 45.3 percent and credit unions 5.3 percent. Farm Credit Mid-America, Aca was the largest mortgage company, Peoples Bank the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, The Cecilian Bank led with 14 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 Horse Cave, KY
By home loans closed in 2025, Peoples Bank was the largest mortgage lender in Horse Cave, Kentucky with 1 loans, about 1.1 percent of the market. The largest lender headquartered in Kentucky was The Cecilian Bank with 14 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Horse Cave, Kentucky in 2025, led by South Central Bank Inc with 2. 5 lenders closed VA loans, led by Stockton Mortgage Corporation, and 4 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. 16 banks and 2 credit unions closed home loans in Horse Cave, Kentucky in 2025, alongside 21 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 Horse Cave, 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 Horse Cave, 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 Horse Cave. 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.
