Mortgage Lenders and Brokers in Junction City, 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
Junction City, Kentucky mortgage lenders include Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%, Monticello Banking CompanyMonticello Banking Company310 N Cross St, Albany, KY 42602A+5.0 ★Texas Ratio: 0.91%, Whitaker Bank IncWhitaker Bank Inc102 W Jefferson St, Berea, KY 40403A+5.0 ★Texas Ratio: 1.23%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, First Southern National BankFirst Southern National Bank1214 Ashley Cir, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 3.45%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Community Trust Bank, Inc.Community Trust Bank, Inc.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, and Stockton Mortgage CorporationStockton Mortgage CorporationFrankfort, KY. 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 Junction City, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Junction City 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 Junction City, Kentucky
Market share is the lender's share of all home loans closed in Junction City, 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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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, VA, HELOC | 6 +8 HELOCs |
5.6% | 75% | $258,333 | 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 | 4.6% | 100% | $59,000 | View |
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102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 5 | 4.6% | 100% | $95,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 2.8% | 100% | $178,333 | View |
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1214 Ashley Cir, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 2 +1 HELOCs |
1.9% | 100% | $140,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, USDA | 2 | 1.9% | 100% | $265,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 2 | 1.9% | 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 | 1 | 0.9% | 100% | $365,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Stockton Mortgage Corporation
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Conventional, FHA, VA | 4 | 3.7% | 80% | $245,000 | |
University of Ky FCU
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Conventional | 2 | 1.9% | 100% | $70,000 | |
Central Kentucky Agricultural
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Conventional | 1 | 0.9% | 100% | $145,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.9% | 100% | $185,000 | |
New American Funding, LLC.
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Conventional, FHA, VA, USDA | 9 | 8.3% | 100% | $172,777 | |
T2 Financial LLC
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Conventional, FHA | 6 | 5.6% | 100% | $278,333 | |
Rocket Mortgage
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Conventional | 5 | 4.6% | 62.5% | $117,000 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 4.6% | 100% | $229,000 | |
loanDepot.com LLC
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Conventional, VA | 4 | 3.7% | 66.7% | $172,500 | |
Republic State Mortgage Company
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FHA, USDA | 4 | 3.7% | 100% | $255,000 | |
United Wholesale Mortgage
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FHA, VA | 3 | 2.8% | 60% | $238,333 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 1.9% | 100% | $260,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 2 | 1.9% | 100% | $185,000 | View |
Everett Financial, Inc.
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Conventional, FHA | 2 | 1.9% | 100% | $90,000 | |
Canopy Mortgage, LLC
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FHA, USDA | 2 | 1.9% | 100% | $175,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.9% | 100% | $110,000 | |
Planet Home Lending, LLC
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VA | 2 | 1.9% | 100% | $290,000 | |
Tjc Mortgage Inc
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Conventional, FHA | 2 | 1.9% | 100% | $60,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 2 | 1.9% | 100% | $260,000 | View |
Mortgage Investors Group
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FHA | 2 | 1.9% | 100% | $150,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 1.9% | 18.2% | $95,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1.9% | 100% | $190,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.9% | 100% | $175,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.9% | 100% | $295,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.9% | 100% | $145,000 | |
Movement Mortgage, LLC
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FHA | 1 | 0.9% | 100% | $245,000 | |
Loanunited.Com, LLC
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Conventional | 1 | 0.9% | 100% | $105,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.9% | 50% | $285,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.9% | 100% | $145,000 | View |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.9% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.9% | 100% | $265,000 | View |
Nations Lending Corporation
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FHA | 1 | 0.9% | 100% | $235,000 | |
Atlanta Postal Credit Union
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Conventional | 1 | 0.9% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.9% | 100% | $305,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.9% | 100% | $55,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.9% | 100% | $295,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.9% | 100% | $85,000 | |
21St Mortgage
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Conventional | 1 | 0.9% | 25% | $85,000 |
Junction City 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 Junction City, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Junction City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Junction City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Junction City, KY
Use these to narrow the list above. Each category shows how many Junction City, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Junction City, KY
Independent mortgage companies closed 66.7 percent of home loans in Junction City, Kentucky in 2025, banks 25 percent and credit unions 8.3 percent. Stockton Mortgage Corporation was the largest mortgage company, Monticello Banking Company the largest bank and Abound Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Abound Federal Credit Union led with 6 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 Junction City, KY
By home loans closed in 2025, Abound Federal Credit Union was the largest mortgage lender in Junction City, Kentucky with 6 loans, about 5.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Junction City, Kentucky in 2025, led by T2 Financial LLC with 4. 12 lenders closed VA loans, led by Freedom Mortgage Corporation, and 5 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. 12 banks and 4 credit unions closed home loans in Junction City, Kentucky in 2025, alongside 31 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 Junction City, 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 Junction City, 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 Junction City. 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.
