Mortgage Lenders and Brokers in Independence, 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
Independence, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.5262 Madison Pike, Independence, KY 41051A+5.0 ★Texas Ratio: 2.85%, Huntington National BankHuntington National Bank6433 Taylor Mill Rd, Independence, KY 41051A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association2064 Declaration Dr, Independence, KY 41051A+5.0 ★Texas Ratio: 3.22%, Heritage Bank, INCHeritage Bank, INC2040 Declaration Dr, Independence, KY 41051A+5.0 ★Texas Ratio: 4.11%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, First Financial BankFirst Financial BankLimaburg Road And Jones Circle, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.21%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, Truist BankTruist Bank2750 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, and L&N Federal Credit UnionL&N Federal Credit Union1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731A+5.0 ★Texas Ratio: 1.91%. 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 Independence, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Independence 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 Independence, Kentucky
Market share is the lender's share of all home loans closed in Independence, 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 Independence 5262 Madison Pike, Independence, KY 41051 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 35 +33 HELOCs |
3.6% | 83.7% | $221,571 | View |
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1 office in Independence 6433 Taylor Mill Rd, Independence, KY 41051 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, VA, USDA, HELOC | 34 +49 HELOCs |
3.5% | 75.6% | $241,176 | View |
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1 office in Independence 2064 Declaration Dr, Independence, KY 41051 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 20 +45 HELOCs |
2% | 71% | $165,500 | View |
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1 office in Independence 2040 Declaration Dr, Independence, KY 41051 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 20 | 2% | 80% | $105,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, USDA, Jumbo, HELOC | 62 +9 HELOCs |
6.3% | 91.7% | $332,580 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, Jumbo, HELOC | 12 +9 HELOCs |
1.2% | 85.7% | $227,500 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, USDA, HELOC | 11 +6 HELOCs |
1.1% | 91.7% | $363,181 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, USDA, HELOC | 9 +17 HELOCs |
0.9% | 81.8% | $231,666 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 9 +1 HELOCs |
0.9% | 90% | $226,111 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 4 +9 HELOCs |
0.4% | 66.7% | $272,500 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, HELOC | 3 +18 HELOCs |
0.3% | 100% | $261,666 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +2 HELOCs |
0.3% | 100% | $215,000 | View |
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406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 3 | 0.3% | 75% | $391,666 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $145,000 | |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 1 +3 HELOCs |
0.1% | 100% | $255,000 | View |
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2305 River Rd, Louisville, KY 40206 A5.0 ★Texas Ratio: 6.62% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $325,000 | View |
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507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.1% | 50% | $355,000 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $325,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
Victory Mortgage, LLC
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Conventional, FHA, VA | 57 | 5.8% | 96.6% | $332,192 | |
First Equity Mortgage Inc
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Conventional, FHA, VA | 54 | 5.5% | 81.8% | $367,222 | |
Stockton Mortgage Corporation
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Conventional, FHA | 43 | 4.4% | 95.6% | $277,790 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 6 | 0.6% | 85.7% | $346,666 | |
Rocket Mortgage
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Conventional, FHA, VA | 67 | 6.9% | 85.1% | $205,895 | |
United Wholesale Mortgage
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Conventional, FHA, VA, USDA | 58 | 5.9% | 95.2% | $293,103 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA, USDA, HELOC | 37 +3 HELOCs |
3.8% | 94.9% | $265,810 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 34 | 3.5% | 100% | $262,352 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 22 | 2.3% | 88.5% | $207,727 | |
Success Mortgage Partners, Inc
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Conventional, FHA, USDA | 21 | 2.1% | 100% | $152,619 | |
Nfm, Inc
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Conventional, FHA | 17 | 1.7% | 100% | $293,823 | |
American Financial Resources LLC
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Conventional, FHA, VA | 16 | 1.6% | 100% | $306,250 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 16 | 1.6% | 91.7% | $290,625 | |
Mortgage Research Center
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VA | 15 | 1.5% | 60% | $339,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 13 | 1.3% | 92.9% | $298,076 | |
Nationstar Mortgage
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Conventional, FHA | 12 | 1.2% | 100% | $125,000 | |
Newrez LLC
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Conventional, FHA, VA | 11 | 1.1% | 78.6% | $226,818 | |
Mutual of Omaha Mortgage
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Conventional, FHA, VA | 11 | 1.1% | 84.6% | $236,818 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 9 | 0.9% | 62.5% | $106,111 | |
Union Savings Bank
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Conventional, FHA, HELOC | 8 +2 HELOCs |
0.8% | 100% | $268,750 | |
RMC Home Mortgage, LLC
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Conventional, FHA | 8 | 0.8% | 88.9% | $356,250 | |
loanDepot.com LLC
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Conventional, FHA, VA | 8 | 0.8% | 56.2% | $147,500 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 8 | 0.8% | 88.9% | $208,750 | |
Cinfed Federal Credit Union
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Conventional, HELOC | 7 +14 HELOCs |
0.7% | 87.5% | $210,714 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 6 +6 HELOCs |
0.6% | 85.7% | $118,333 | View |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, VA | 6 | 0.6% | 100% | $271,666 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA, VA | 6 | 0.6% | 40% | $180,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA, VA | 6 | 0.6% | 100% | $268,333 | View |
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A+5.0 ★Texas Ratio: 2.56% |
Conventional, HELOC | 5 +2 HELOCs |
0.5% | 100% | $143,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 5 +2 HELOCs |
0.5% | 33.3% | $87,000 | |
First Community Mortgage, Inc.
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Conventional, FHA | 5 | 0.5% | 100% | $267,000 | |
Primelending
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Conventional, FHA | 5 | 0.5% | 100% | $197,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 5 | 0.5% | 100% | $273,000 | View |
American Pacific Mortgage Corporation
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Conventional, FHA | 5 | 0.5% | 71.4% | $405,000 | |
Lower, LLC
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Conventional, FHA | 5 | 0.5% | 100% | $243,000 | |
21St Mortgage
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Conventional | 5 | 0.5% | 35.7% | $59,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 5 | 0.5% | 100% | $337,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 0.4% | 38.5% | $127,500 | |
Planet Home Lending, LLC
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Conventional, FHA | 4 | 0.4% | 100% | $117,500 | |
The Loan Store, Inc
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Conventional, FHA | 4 | 0.4% | 100% | $302,500 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA, VA | 4 | 0.4% | 100% | $267,500 | View |
AmeriHome Mortgage Company, LLC
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FHA | 3 | 0.3% | 75% | $275,000 | |
Discover Bank
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Conventional | 3 | 0.3% | 33.3% | $48,333 | |
T2 Financial LLC
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Conventional, FHA | 3 | 0.3% | 100% | $228,333 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 3 | 0.3% | 100% | $221,666 | View |
Rapid Mortgage Company
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Conventional, FHA | 3 | 0.3% | 100% | $305,000 | |
Park Lane Finance SolutionsLLC
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Conventional | 3 | 0.3% | 76.5% | $51,666 | |
Sibcy Cline Mortgage Services, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $231,666 | |
New American Funding, LLC.
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FHA | 3 | 0.3% | 50% | $261,666 | |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 3 | 0.3% | 100% | $255,000 | View |
Village Capital & Investment
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FHA | 3 | 0.3% | 100% | $308,333 | |
General Electric Credit Union
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Conventional, HELOC | 2 +16 HELOCs |
0.2% | 100% | $220,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 2 +4 HELOCs |
0.2% | 33.3% | $305,000 | |
Nbkc Bank
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Conventional | 2 | 0.2% | 100% | $340,000 | |
Kind Lending, LLC
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FHA | 2 | 0.2% | 100% | $310,000 | |
AdvantageFirst Lending Inc
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FHA, VA | 2 | 0.2% | 66.7% | $305,000 | |
Bayshore Mortgage Funding
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Conventional | 2 | 0.2% | 100% | $345,000 | |
New Day Financial, LLC.
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VA | 2 | 0.2% | 50% | $395,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.2% | 66.7% | $390,000 | View |
Transportation Federal Credit Union
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Conventional | 2 | 0.2% | 100% | $120,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
FHA, VA | 2 | 0.2% | 100% | $290,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 2 | 0.2% | 66.7% | $355,000 | View |
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A+5.0 ★Texas Ratio: 0.96% |
Conventional, VA | 2 | 0.2% | 100% | $355,000 | View |
Endeavor Capital, LLC
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Conventional | 2 | 0.2% | 100% | $220,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.2% | 17.6% | $170,000 | |
Polaris Home Funding Corp.
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Sharefax Credit Union
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Conventional | 1 | 0.1% | 100% | $45,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.1% | 100% | $645,000 | View |
Royal United Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Servion
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Gvc Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $375,000 | |
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A+5.0 ★Texas Ratio: 2.05% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
Guidance Residential, LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Merchants National Bank
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Conventional | 1 | 0.1% | 100% | $295,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $245,000 | |
Valon Mortgage
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $495,000 | |
Cincinnati Ohio Police Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.1% | 100% | $245,000 | |
Republic State Mortgage Company
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Conventional | 1 | 0.1% | 100% | $395,000 | |
Click n' Close, Inc.
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USDA | 1 | 0.1% | 100% | $255,000 | |
American Financing Corporation
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FHA | 1 | 0.1% | 100% | $365,000 | |
ClearPath Lending
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VA | 1 | 0.1% | 100% | $285,000 | |
Flat Branch Mortgage, Inc.
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VA | 1 | 0.1% | 100% | $325,000 | |
Weichert Financial Services
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VA | 1 | 0.1% | 100% | $545,000 | |
3rd Street Financial Corp
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Conventional | 1 | 0.1% | 100% | $245,000 | |
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A5.0 ★Texas Ratio: 11.06% |
VA | 1 | 0.1% | 100% | $155,000 | View |
Churchill Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $375,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.1% | 50% | $295,000 | |
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A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
Wright Patt Credit Union Inc
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Conventional | 1 | 0.1% | 100% | $235,000 | |
Baxter Credit Union
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Mission Loans, LLC
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VA | 1 | 0.1% | 100% | $295,000 | |
Towne Mortgage Company
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FHA | 1 | 0.1% | 100% | $355,000 | |
Tjc Mortgage Inc
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FHA | 1 | 0.1% | 100% | $505,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 1 | 0.1% | 100% | $655,000 | View |
Nations Direct Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $285,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.1% | 100% | $405,000 | View |
RBC Bank (Georgia), N.A.
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.1% | 100% | $175,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.1% | 100% | $375,000 | |
Paramount Residential Mortgage
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USDA | 1 | 0.1% | 100% | $255,000 | |
Superior Credit Union, Inc.
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +12 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +8 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +7 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
Delta Community Credit Union
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HELOC | 0 +2 HELOCs |
0% | 0% | ||
North Side Bank & Trust Company
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Independence 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 Independence, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Independence? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Independence in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Independence, KY
Use these to narrow the list above. Each category shows how many Independence, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Independence, KY
Independent mortgage companies closed 67 percent of home loans in Independence, Kentucky in 2025, banks 30.1 percent and credit unions 2.9 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 20 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 Independence, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Independence, Kentucky with 35 loans, about 3.6 percent of the market. The largest lender headquartered in Kentucky was Heritage Bank, INC with 20 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Independence, Kentucky, Victory Mortgage, LLC approved the highest share of completed applications in 2025 at 96.6 percent, against a 83.5 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.
58 lenders closed FHA loans in Independence, Kentucky in 2025, led by United Wholesale Mortgage with 21. 33 lenders closed VA loans, led by Mortgage Research Center, and 9 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. 48 banks and 14 credit unions closed home loans in Independence, Kentucky in 2025, alongside 78 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 Independence, 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 Independence, 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 Independence. 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.
