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Mortgage Lenders and Brokers in Lexington-Fayette, Kentucky

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Lexington-Fayette, Kentucky mortgage lenders include Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Central Bank & Trust CoCentral Bank & Trust Co101 Brentwood Dr, Berea, KY 40403A+5.0 ★Texas Ratio: 1.26%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, Bank of LexingtonBank of Lexington6409 Polo Club Ln, Lexington, KY 40509A+5.0 ★Texas Ratio: 0.09%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company111 Chaplin Rd, Bloomfield, KY 40008A+5.0 ★Texas Ratio: 1.99%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, and Members Heritage CUMembers Heritage CU3301 Leestown Rd, Lexington, KY 40511 8702A+5.0 ★Texas Ratio: 4.52%. 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 Lexington-Fayette, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Lexington-Fayette 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 Lexington-Fayette, Kentucky

Market share is the lender's share of all home loans closed in Lexington-Fayette, 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
Guardian Savings Bank 7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35%	Conventional, FHA, VA, Jumbo, HELOC	255 +31 HELOCs	5.7%	93.5%	$376,882	View
Central Bank & Trust Co 101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26%	Conventional, FHA, VA, Jumbo, HELOC	155 +131 HELOCs	3.4%	95.8%	$383,645	View
JPMorgan Chase Bank, NA 924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, Jumbo, HELOC	150 +17 HELOCs	3.3%	93.8%	$310,066	View
Bank of Lexington ★ 3.5 stars, 2 reviews 6409 Polo Club Ln, Lexington, KY 40509 A+5.0 ★Texas Ratio: 0.09%	Conventional, Jumbo	140	3.1%	95.9%	$335,214	View
Republic Bank & Trust 119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, VA, Jumbo, HELOC	138 +64 HELOCs	3.1%	96.6%	$285,434	View
Fifth Third Bank, National Association 6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, Jumbo, HELOC	109 +166 HELOCs	2.4%	73.8%	$243,165	View
Stock Yards Bank & Trust Company 111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99%	Conventional, FHA, VA, Jumbo, HELOC	94 +30 HELOCs	2.1%	91.3%	$311,170	View
Commonwealth Federal Credit Union 417 High St, Frankfort, KY 40601	Conventional, Jumbo, HELOC	75 +153 HELOCs	1.7%	80.6%	$235,800
US Bank, N.A. 7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, VA, Jumbo, HELOC	74 +41 HELOCs	1.6%	76.3%	$281,486	View
Members Heritage CU 3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52%	Conventional	71	1.6%	96%	$135,704	View
Community Trust Bank, Inc. 6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53%	Conventional, Jumbo, HELOC	46 +31 HELOCs	1%	83.9%	$344,565	View
Traditional Bank Inc 1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69%	Conventional, FHA, Jumbo, HELOC	45 +23 HELOCs	1%	95.8%	$305,444	View
City National Bank of WV 9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47%	Conventional, Jumbo, HELOC	38 +12 HELOCs	0.8%	87.5%	$252,368	View
The Health and Education Federal Credit Union 424 Park Pl, Lexington, KY 40511 1829 A+5.0 ★Texas Ratio: 0.46%	Conventional	37	0.8%	90.2%	$86,351	View
Bank of the Bluegrass & Trust Co. 215 Southland Dr, Lexington, KY 40503 A+5.0 ★Texas Ratio: 0.25%	Conventional, Jumbo	37	0.8%	92.5%	$248,513	View
Old National Bank 301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, Jumbo, HELOC	32 +7 HELOCs	0.7%	97%	$421,250	View
Wesbanco Bank, Inc. 7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87%	Conventional, FHA, Jumbo, HELOC	30 +38 HELOCs	0.7%	93.8%	$343,666	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, VA, HELOC	24 +86 HELOCs	0.5%	89.3%	$276,666	View
Whitaker Bank Inc 102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23%	Conventional	24	0.5%	96.3%	$175,000	View
Truist Bank ★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	23 +40 HELOCs	0.5%	92%	$399,782	View
Bank of America NA 520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	21 +19 HELOCs	0.5%	84%	$278,809	View
Huntington National Bank 2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66%	Conventional, HELOC	13 +5 HELOCs	0.3%	93.3%	$322,692	View
Farmers Bank 200 N Main St, Nicholasville, KY 40356	Conventional	12	0.3%	100%	$305,833
Monticello Banking Company ★ 5 stars, 1 review 310 N Cross St, Albany, KY 42602 A+5.0 ★Texas Ratio: 0.91%	Conventional, Jumbo	11	0.2%	100%	$445,000	View
Magnolia Bank 651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, VA	11	0.2%	91.7%	$311,363	View
Liberty Federal Credit Union 544 Lovers Ln, Bowling Green, KY 42103	Conventional, Jumbo	10	0.2%	100%	$309,000
Peoples Bank 6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39%	Conventional, Jumbo, HELOC	8 +5 HELOCs	0.2%	88.9%	$340,000	View
Cumberland Valley National Bank & Trust Co 235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64%	Conventional	8	0.2%	88.9%	$253,750	View
South Central Bank Inc 3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83%	Conventional, FHA, HELOC	7 +6 HELOCs	0.2%	90%	$283,571	View
Regions Bank 507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	7 +1 HELOCs	0.2%	100%	$520,714	View
Peoples Exchange Bank Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13%	Conventional, FHA, Jumbo	7	0.2%	88.9%	$486,428	View
First Financial Bank Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21%	Conventional, HELOC	6 +1 HELOCs	0.1%	66.7%	$160,000	View
Wilson & Muir Bank & Trust Company 101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62%	Conventional	5	0.1%	100%	$339,000	View
L&N Federal Credit Union 1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91%	Conventional	5	0.1%	100%	$287,000	View
Forcht Bank, N.A. 406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45%	Conventional	5	0.1%	55.6%	$353,000	View
The Citizens National Bank of Somerset 290 Cumberland Xing, Monticello, KY 42633 B+3.9 ★Texas Ratio: 1.75%	Conventional	5	0.1%	100%	$373,000	View
First Southern National Bank 1214 Ashley Cir, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.45%	Conventional	4	0.1%	100%	$185,000	View
The Cecilian Bank 302 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.60%	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$285,000	View
Abound Federal Credit Union 100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44%	Conventional, VA, HELOC	3 +1 HELOCs	0.1%	100%	$358,333	View
United Cumberland Bank 3995 S Highway 27, Pine Knot, KY 42635 A5.0 ★Texas Ratio: 9.50%	Conventional	3	0.1%	100%	$445,000	View
Citizens Bank of Kentucky, Inc. 6474 Kentucky 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.26%	Conventional	3	0.1%	100%	$351,666	View
Independence Bank of Kentucky 1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79%	Conventional, HELOC	2 +1 HELOCs	0%	66.7%	$440,000	View
Hearthside Bank Corporation 185 Finance St, Harlan, KY 40831 A+5.0 ★Texas Ratio: 2.76%	Conventional	2	0%	100%	$190,000	View
Town & Country Bank and Trust Co. 237 Nelson Plaza, Bardstown, KY 40004	Conventional	2	0%	100%	$305,000
The Lincoln National Bank of Hodgenville 500 Lincoln Way, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 2.54%	Conventional	2	0%	100%	$255,000	View
First National Bank of Grayson 12496 Us Route 60, Ashland, KY 41102	Conventional	1	0%	100%	$145,000
The First National Bank of Brooksville 107 East Miami Street, Brooksville, KY 41004 A+5.0 ★Texas Ratio: 5.36%	Conventional	1	0%	100%	$235,000	View
Commercial Bank 312 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 2.83%	Conventional	1	0%	100%	$535,000	View
Bank Of Buffalo 2441 Greensburg Rd, Buffalo, KY 42716 A+5.0 ★Texas Ratio: 5.71%	Conventional	1	0%	100%	$175,000	View
Pinnacle Bank 360 E 8th Avenue, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0%	100%	$425,000	View
First National Bank of Kentucky 2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94%	Conventional	1	0%	100%	$475,000	View
Kentucky Farmers Bank Corporation 835 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 1.41%	Conventional	1	0%	100%	$335,000	View
The Paducah Bank and Trust Company 614 W Main St, Louisville, KY 40202 A+5.0 ★Texas Ratio: 1.48%	Conventional	1	0%	100%	$205,000	View
Armed Forces Bank, N.A. 131 Gold Vault Rd, Fort Knox, KY 40121 A+5.0 ★Texas Ratio: 4.81%	VA	1	0%	100%	$535,000	View
Commercial Bank of Grayson 208 E Main St, Grayson, KY 41143 B4.6 ★Texas Ratio: 19.32%	Conventional	1	0%	100%	$265,000	View
Edmonton State Bank 2512 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.16%	Conventional	1	0%	100%	$305,000	View
American Bank & Trust Company Inc. 531 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 10.95%	Conventional	1	0%	100%	$205,000	View
Franklin Bank & Trust Company 398 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 6.93%	Conventional	1	0%	100%	$305,000	View
Heritage Bank, INC 7593 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$115,000	View
German American Bank 1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93%	HELOC	0 +2 HELOCs	0%	n/a		View
Ashland Credit Union 1300 CENTRAL AVE, ASHLAND, KY 41101 7550 A5.0 ★Texas Ratio: 7.03%	HELOC	0 +2 HELOCs	0%	100%		View
First Financial Bank NA 660 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +1 HELOCs	0%	n/a		View
Stockton Mortgage Corporation	Conventional, FHA, VA, HELOC	197 +1 HELOCs	4.4%	94.3%	$338,248
University of Ky FCU	Conventional, HELOC	73 +758 HELOCs	1.6%	60.4%	$105,000
Field & Main Bank	Conventional	19	0.4%	95%	$287,631
Park Community Credit Union	Conventional, HELOC	9 +9 HELOCs	0.2%	90%	$250,555
Farm Credit Mid-America, Aca	Conventional, Jumbo	3	0.1%	60%	$628,333
Central Kentucky Agricultural	Conventional, Jumbo	1	0%	100%	$1,195,000
Rocket Mortgage	Conventional, FHA, VA	360	8%	85%	$217,527
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, Jumbo	290	6.4%	97.7%	$266,103
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	197 +8 HELOCs	4.4%	88.4%	$327,994
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, VA, Jumbo	110	2.4%	99.1%	$324,363	View
New American Funding, LLC.	Conventional, FHA, VA, Jumbo, HELOC	90 +1 HELOCs	2%	89.2%	$278,111
T2 Financial LLC	Conventional, FHA, VA	77	1.7%	93.2%	$352,012
Freedom Mortgage Corporation	Conventional, FHA, VA	72	1.6%	88.6%	$275,416
Nationstar Mortgage	Conventional, FHA, VA	63	1.4%	84.6%	$138,650
Provident Funding Associates	Conventional	60	1.3%	93.8%	$321,500
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	56	1.2%	83.1%	$228,928
Lower, LLC	Conventional, FHA, VA	54	1.2%	94.7%	$243,703
Mortgage Research Center	Conventional, FHA, VA	52	1.2%	67.1%	$295,000
Ruoff Mortgage Company	Conventional, FHA, VA	42	0.9%	91.7%	$250,476
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	41	0.9%	97.6%	$291,097	View
Newrez LLC	Conventional, FHA, VA	39	0.9%	76.5%	$241,410
Mortgage Investors Group	Conventional, FHA, VA	33	0.7%	91.9%	$315,303
loanDepot.com LLC	Conventional, FHA, VA	31	0.7%	72.1%	$160,161
Union Home Mortgage Corp.	Conventional, FHA, VA	27	0.6%	90%	$275,000
The Home Savings and Loan Company of Kenton, Ohio	Conventional	23	0.5%	100%	$246,739
Amerisave Mortgage Company	Conventional, FHA, VA	22	0.5%	36.1%	$141,818
Republic State Mortgage Company	Conventional, FHA	22	0.5%	100%	$295,909
Mutual of Omaha Mortgage	Conventional, FHA, VA	21	0.5%	75%	$278,333
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	21	0.5%	84%	$330,714	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	21	0.5%	95.5%	$139,761	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, Jumbo, HELOC	19 +10 HELOCs	0.4%	76%	$313,947
Prosperity Home Mortgage, LLC	Conventional, FHA, VA	19	0.4%	86.4%	$185,526
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	17	0.4%	68%	$384,411	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	16	0.4%	94.1%	$221,875	View
SWBC Mortgage Corporation	Conventional, FHA	15	0.3%	93.8%	$273,666
Geneva Financial LLC	Conventional, FHA, VA	14	0.3%	93.3%	$245,000
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA, VA	14	0.3%	82.4%	$299,285	View
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo, HELOC	13 +2 HELOCs	0.3%	81.2%	$315,769
Spring Eq, LLC	Conventional, HELOC	12 +9 HELOCs	0.3%	40%	$73,333
Primelending	Conventional, FHA	11	0.2%	91.7%	$342,272
Envoy Mortgage, Ltd	Conventional, FHA, VA	11	0.2%	91.7%	$360,454
New Day Financial, LLC.	VA	11	0.2%	58.3%	$305,000
Carrington Mortgage Services LLC	Conventional, FHA, VA	11	0.2%	47.8%	$118,636
The Loan Store, Inc	Conventional, FHA, HELOC	9 +1 HELOCs	0.2%	100%	$350,555
Everett Financial, Inc.	Conventional, FHA, HELOC	8 +1 HELOCs	0.2%	88.9%	$307,500
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA, VA, Jumbo, HELOC	8 +1 HELOCs	0.2%	66.7%	$301,250	View
Civista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, HELOC	8 +1 HELOCs	0.2%	88.9%	$436,250	View
Guaranteed Rate, Inc.	Conventional, FHA, VA	8	0.2%	80%	$292,500
Sage Home Loans Corporation	Conventional, FHA	8	0.2%	80%	$317,500
Nbkc Bank	Conventional, VA	8	0.2%	88.9%	$440,000
Kind Lending, LLC	Conventional, FHA	8	0.2%	100%	$278,750
American Financing Corporation	Conventional, FHA	8	0.2%	64.3%	$181,250
Union Savings Bank	Conventional, FHA, Jumbo	8	0.2%	100%	$511,250
Cmg Mortgage Inc	Conventional, FHA, USDA, HELOC	7 +1 HELOCs	0.2%	88.9%	$390,714
Lakeview Loan Servicing, LLC	Conventional, FHA, VA	7	0.2%	37.1%	$189,285
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	7	0.2%	100%	$303,571	View
Planet Home Lending, LLC	Conventional, FHA, VA	7	0.2%	53.8%	$295,000
Better Mortgage Corporation	Conventional	7	0.2%	87.5%	$296,428
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, FHA, HELOC	6 +12 HELOCs	0.1%	100%	$300,000	View
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, HELOC	6 +2 HELOCs	0.1%	100%	$388,333	View
Panorama Mortgage Group, LLC	Conventional, FHA	6	0.1%	100%	$211,666
First Community Mortgage, Inc.	Conventional, FHA, VA	6	0.1%	100%	$378,333
American Financial Resources LLC	Conventional, FHA	6	0.1%	100%	$233,333
Movement Mortgage, LLC	Conventional, FHA, Jumbo	6	0.1%	85.7%	$390,000
AdvantageFirst Lending Inc	FHA, VA	6	0.1%	66.7%	$253,333
Click n' Close, Inc.	Conventional, FHA	6	0.1%	85.7%	$206,666
Churchill Mortgage Corporation	Conventional, FHA	6	0.1%	100%	$175,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.1%	100%	$720,000	View
Vanderbilt Mortgage and Finance, Inc	Conventional	6	0.1%	31.6%	$131,666
Equity Prime Mortgage LLC	FHA, VA	5	0.1%	100%	$289,000
Endeavor Capital, LLC	Conventional, FHA	5	0.1%	100%	$203,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional, Jumbo	5	0.1%	100%	$1,185,000	View
Top Flite Financial, Inc.	Conventional, FHA, VA	5	0.1%	100%	$315,000
Village Capital & Investment	FHA, VA	5	0.1%	70%	$323,000
Communityamerica Federal Credit Union	Conventional, HELOC	4 +3 HELOCs	0.1%	80%	$110,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	4	0.1%	80%	$250,000
Discover Bank	Conventional	4	0.1%	15.4%	$75,000
Das Acquisition Company, LLC	FHA, VA	4	0.1%	100%	$345,000
Bay Equity LLC	Conventional, FHA	4	0.1%	100%	$270,000
21St Mortgage	Conventional	4	0.1%	40%	$75,000
Tomo Mortgage LLC	Conventional	4	0.1%	100%	$360,000
Royal United Mortgage LLC	Conventional	3	0.1%	100%	$148,333
All Credit Considered Mortgage, Inc.	Conventional	3	0.1%	100%	$311,666
Guidance Residential, LLC	Conventional	3	0.1%	100%	$428,333
AmeriHome Mortgage Company, LLC	Conventional, FHA	3	0.1%	60%	$235,000
PHH Mortgage Corporation	FHA	3	0.1%	75%	$188,333
Guild Mortgage Company	Conventional, VA	3	0.1%	100%	$261,666
Nqm Funding, LLC	Conventional	3	0.1%	100%	$358,333
Cardinal Financial Company, Li	Conventional, FHA	3	0.1%	100%	$215,000
Farmers and Miners Bank	Conventional	3	0.1%	100%	$641,666
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	3	0.1%	100%	$258,333	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	3	0.1%	75%	$121,666	View
Mission Loans, LLC	Conventional	3	0.1%	100%	$311,666
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	3	0.1%	100%	$258,333	View
Fairway Independent Mort Corp	Conventional	3	0.1%	75%	$275,000
Paramount Residential Mortgage	Conventional, FHA, VA	3	0.1%	100%	$355,000
Pentagon Federal Credit Union	Conventional, VA, HELOC	2 +3 HELOCs	0%	50%	$370,000
Polaris Home Funding Corp.	Conventional	2	0%	100%	$215,000
EMM Loans LLC	FHA	2	0%	100%	$260,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, VA	2	0%	66.7%	$340,000	View
Guaranteed Rate Affinity, LLC	Conventional	2	0%	66.7%	$390,000
The Union Bank Company A+5.0 ★Texas Ratio: 0.68%	Conventional, FHA	2	0%	100%	$340,000	View
Primary Residential Mortgage, INC.	Conventional, FHA	2	0%	100%	$245,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	2	0%	100%	$590,000	View
Success Lending, LLC	Conventional	2	0%	100%	$210,000
Acrisure Mortgage, LLC	Conventional, FHA	2	0%	100%	$230,000
Deephaven Mortgage LLC	Conventional, Jumbo	2	0%	66.7%	$745,000
Renasant Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, FHA	2	0%	100%	$180,000	View
AmWest Funding Corp	Conventional	2	0%	100%	$445,000
Ocmbc, Inc.	Conventional	2	0%	100%	$455,000
The Mortgage Warehouse, LLC	Conventional	2	0%	100%	$460,000
Success Mortgage Partners, Inc	Conventional, FHA	2	0%	100%	$130,000
First Alliance Home Mortgage, LLC	FHA	2	0%	100%	$325,000
City 1st Mortgage Services, LC	Conventional, FHA	2	0%	100%	$230,000
Sun West Mortgage Company, Inc	Conventional, FHA	2	0%	66.7%	$150,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	2	0%	100%	$235,000	View
Desco Federal Credit Union	Conventional	2	0%	100%	$270,000
Premier Lending Inc.	Conventional, FHA	2	0%	100%	$150,000
Atlantic Bay Mortgage Group	Conventional	2	0%	100%	$275,000
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	2	0%	100%	$3,170,000	View
Uif Corporation	Conventional	2	0%	66.7%	$465,000
Park Lane Finance SolutionsLLC	Conventional	2	0%	80%	$80,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0%	100%	$90,000
RoundPoint Mortgage Servicing LLC	Conventional	2	0%	100%	$235,000
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	2	0%	100%	$280,000	View
ClearEdge Lending LLC	Conventional	2	0%	100%	$295,000
Grand Bank for Savings, FSB	Conventional	2	0%	100%	$170,000
Toyota Financial Savings Bank	Conventional	2	0%	100%	$595,000
Plaza Home Mortgage, Inc	Conventional	2	0%	66.7%	$375,000
Goprime Mortgage, Inc.	Conventional, FHA	2	0%	66.7%	$210,000
HomeBridge Financial Services, Inc	VA, HELOC	1 +3 HELOCs	0%	50%	$405,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	1 +2 HELOCs	0%	33.3%	$205,000	View
Dollar Bank, FSB A+5.0 ★Texas Ratio: 5.29%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$515,000	View
Cadence Bank	Conventional	1	0%	100%	$635,000
Genisys Credit Union	Conventional, Jumbo	1	0%	100%	$925,000
Cornerstone First Mortgage, LLC	Conventional	1	0%	100%	$655,000
Skyla Federal Credit Union	Conventional	1	0%	100%	$55,000
Clear Mountain Bank A+5.0 ★Texas Ratio: 2.01%	Conventional	1	0%	100%	$275,000	View
CommonWealth One Federal Credit Union	Conventional	1	0%	100%	$35,000
Greenstate Credit Union	Conventional	1	0%	100%	$285,000
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	Conventional	1	0%	100%	$525,000	View
North American Savings Bank A+5.0 ★Texas Ratio: 4.31%	VA	1	0%	100%	$415,000	View
Brighton Bank	VA	1	0%	100%	$385,000
Hancock Whitney Bank ★ 4 stars, 3 reviews A+5.0 ★Texas Ratio: 3.41%	Conventional	1	0%	100%	$185,000	View
Allied Mortgage Group, Inc	FHA	1	0%	100%	$345,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$375,000	View
Dart Bank	Conventional	1	0%	100%	$145,000
Filo Mortgage, LLC	Conventional, Jumbo	1	0%	100%	$1,075,000
Emporium Tpo LLC	Conventional	1	0%	100%	$215,000
Homestead Funding Corp.	Conventional	1	0%	100%	$315,000
Mortgage 1 Incorporated	Conventional	1	0%	100%	$295,000
AAFMAA Mortgage Services LLC	VA	1	0%	100%	$365,000
FirstTrust Home Loans	VA	1	0%	100%	$465,000
Advisors Mortgage Group, LLC	Conventional	1	0%	100%	$285,000
Intercoastal Mortgage, LLC	Conventional	1	0%	100%	$225,000
Oceanside Mortgage Company	FHA	1	0%	100%	$245,000
Publix Employees Federal Credit Union	Conventional	1	0%	100%	$235,000
Strong Home Mortgage, LLC	FHA	1	0%	100%	$425,000
BMI Federal Credit Union	Conventional	1	0%	100%	$355,000
Honda Federal Credit Union	Conventional	1	0%	100%	$265,000
Calcon Mutual Mortgage LLC	FHA	1	0%	100%	$255,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$205,000
Servis One, Inc A5.0 ★Texas Ratio: 10.24%	Conventional	1	0%	100%	$215,000	View
Transportation Federal Credit Union	Conventional	1	0%	33.3%	$75,000
Encompass Lending Group, L.P.	Conventional	1	0%	100%	$205,000
Michigan Educational Credit Union	Conventional	1	0%	100%	$425,000
First Commonwealth Bank A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$475,000	View
Embrace Home Loans, Inc.	Conventional	1	0%	100%	$205,000
Nations Lending Corporation	FHA	1	0%	100%	$95,000
Franklin Loan Corporation	VA, Jumbo	1	0%	100%	$1,305,000
First Community Bank B+4.8 ★Texas Ratio: 17.04%	Conventional	1	0%	100%	$245,000	View
Heritage Federal Credit Union C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$65,000	View
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	1	0%	100%	$305,000	View
Peoples Bank B4.4 ★Texas Ratio: 21.68%	FHA	1	0%	100%	$95,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$335,000	View
The Mortgage Firm	Conventional	1	0%	100%	$325,000
Cnb Bank & Trust, N.A.	Conventional	1	0%	100%	$115,000
First Farmers and Commercial Bank	Conventional	1	0%	100%	$315,000
Towne Mortgage Company	FHA	1	0%	100%	$85,000
Digital Federal Credit Union	Conventional	1	0%	100%	$285,000
Pike Creek Mortgage Services, Inc.	FHA	1	0%	100%	$155,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$225,000	View
Southern Michigan Bank & Trust A5.0 ★Texas Ratio: 8.82%	Conventional	1	0%	100%	$145,000	View
Mortgage Solutions of Colorado	Conventional	1	0%	50%	$285,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$165,000
TowneBank	Conventional	1	0%	100%	$315,000
Zillow Home Loans, LLC	Conventional	1	0%	100%	$225,000
Community National Bank A4.9 ★Texas Ratio: 9.62%	Conventional	1	0%	100%	$185,000	View
Cfbank NA ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$145,000	View
General Electric Credit Union	Conventional	1	0%	100%	$185,000
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$295,000	View
First Central Savings Bank	Conventional	1	0%	100%	$635,000
Compass Mortgage, Inc.	Conventional, Jumbo	1	0%	100%	$885,000
Florida Capital Bank, N.A	FHA	1	0%	100%	$445,000
Commercial Bank & Trust Company	Conventional	1	0%	100%	$495,000
Nexera Holding LLC	Conventional	1	0%	100%	$335,000
The Mortgage Link, Inc.	Conventional	1	0%	100%	$225,000
Leaderone Financial Corp.	FHA	1	0%	100%	$215,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	Conventional	1	0%	100%	$275,000	View
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +25 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +20 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +13 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Centra Credit Union A+5.0 ★Texas Ratio: 3.12%	HELOC	0 +1 HELOCs	0%	n/a		View
Tower Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Chevron Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Elements Financial Federal Cre	HELOC	0 +1 HELOCs	0%	n/a
Altra Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Atlanta Postal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Lexington-Fayette Mortgage Rate Trends

Daily average mortgage rates for Kentucky compared with the national average, updated every evening.

30-Year Fixed KY Avg

7.451%

▲ 0.163 vs 7 days ago

15-Year Fixed KY Avg

6.969%

▲ 0.054 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Lexington-Fayette, Kentucky

Looking for mortgage lenders near me or mortgage brokers near me in Lexington-Fayette? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Lexington-Fayette in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Lexington-Fayette, KY

Use these to narrow the list above. Each category shows how many Lexington-Fayette, KY lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 124 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 116 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 35 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 96 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 60 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 42 lenders. Loans above the conforming limit for higher priced homes Local lenders based in KY 49 lenders headquartered in Kentucky, the closest thing to a mortgage lender near you

Who Lends in Lexington-Fayette, KY

Independent mortgage companies closed 48.7 percent of home loans in Lexington-Fayette, Kentucky in 2025, banks 44.2 percent and credit unions 7.2 percent. Stockton Mortgage Corporation was the largest mortgage company, Guardian Savings Bank the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Central Bank & Trust Co led with 155 loans.

48.7%

Mortgage companies

44.2%

Banks

7.2%

Credit unions

15%

FHA loans

VA 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

All Kentucky lenders 667 lenders Louisville/Jefferson County metro government 270 lenders Louisville 219 lenders Bowling Green 167 lenders Elizabethtown 134 lenders Georgetown 158 lenders Owensboro 115 lenders Richmond 143 lenders Florence 132 lenders Independence 129 lenders Nicholasville 145 lenders Hopkinsville 94 lenders Bardstown 127 lenders

Frequently Asked Questions About Mortgage Lenders in Lexington-Fayette, KY

Who is the largest mortgage lender in Lexington-Fayette, KY?

By home loans closed in 2025, Guardian Savings Bank was the largest mortgage lender in Lexington-Fayette, Kentucky with 255 loans, about 5.7 percent of the market. The largest lender headquartered in Kentucky was Central Bank & Trust Co with 155 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Lexington-Fayette, KY have the highest approval rates?

Among lenders with meaningful volume in Lexington-Fayette, Kentucky, Luminate Bank approved the highest share of completed applications in 2025 at 99.1 percent, against a 86.4 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.

Which Lexington-Fayette, KY mortgage lenders offer FHA, VA and USDA loans?

96 lenders closed FHA loans in Lexington-Fayette, Kentucky in 2025, led by Ark-La-Tex Financial Services LLC with 91. 60 lenders closed VA loans, led by Mortgage Research Center, and 1 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.

Are credit unions and local banks included in this Lexington-Fayette, KY lender list?

Yes. 116 banks and 35 credit unions closed home loans in Lexington-Fayette, Kentucky in 2025, alongside 124 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.

How are mortgage lenders in Lexington-Fayette, KY ranked on this page?

Lenders are ranked only by the number of home loans they closed in Lexington-Fayette, 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 Lexington-Fayette, 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 Lexington-Fayette. 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.