Mortgage Lenders and Brokers in London, 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
London, Kentucky mortgage lenders include Community Trust Bank, Inc.Community Trust Bank, Inc.1706 Highway 192 W, London, KY 40741A+5.0 ★Texas Ratio: 3.53%, Cumberland Valley National Bank & Trust CoCumberland Valley National Bank & Trust Co1755 N Main St, London, KY 40741A+5.0 ★Texas Ratio: 1.64%, Truist BankTruist Bank840 Whitley St, London, KY 40741A+5.0 ★Texas Ratio: 2.87%, PNC Bank N.A.PNC Bank N.A.1801 Highway 192 W, London, KY 40741A+5.0 ★Texas Ratio: 4.24%, Commercial BankCommercial Bank1730 Highway 192 W, London, KY 40741A+5.0 ★Texas Ratio: 2.83%, L&N Federal Credit UnionL&N Federal Credit Union101 SPRING ST, LONDON, KY 40741A+5.0 ★Texas Ratio: 1.91%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Forcht Bank, N.A.Forcht Bank, N.A.100 First Financial Plaza, London, KY 40741A+5.0 ★Texas Ratio: 0.45%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, and Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601. 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 London, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in London 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 London, Kentucky
Market share is the lender's share of all home loans closed in London, 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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2 offices in London 1706 Highway 192 W, London, KY 40741 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 20 +11 HELOCs |
7.1% | 90.9% | $257,000 | View |
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5 offices in London 1755 N Main St, London, KY 40741 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 12 | 4.3% | 92.3% | $217,500 | View |
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★ 1 stars, 1 review 1 office in London 840 Whitley St, London, KY 40741 A+5.0 ★Texas Ratio: 2.87% |
VA, USDA, HELOC | 2 +3 HELOCs |
0.7% | 100% | $255,000 | View |
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★ 1.7 stars, 3 reviews 1 office in London 1801 Highway 192 W, London, KY 40741 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +15 HELOCs |
0.4% | 33.3% | $245,000 | View |
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3 offices in London 1730 Highway 192 W, London, KY 40741 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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101 SPRING ST, LONDON, KY 40741 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 19 +37 HELOCs |
6.7% | 95% | $197,105 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, USDA | 5 | 1.8% | 83.3% | $143,000 | View |
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100 First Financial Plaza, London, KY 40741 A+5.0 ★Texas Ratio: 0.45% |
Conventional, USDA | 4 | 1.4% | 66.7% | $157,500 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, USDA | 4 | 1.4% | 80% | $192,500 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 3 +2 HELOCs |
1.1% | 60% | $368,333 | |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.7% | 66.7% | $205,000 | View |
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★ 5 stars, 1 review 1004 W 5th St, London, KY 40741 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 2 | 0.7% | 66.7% | $195,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 2 | 0.7% | 66.7% | $640,000 | View |
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185 Finance St, Harlan, KY 40831 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
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102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.4% | 100% | $175,000 | View |
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5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51% |
Conventional | 1 | 0.4% | 37.5% | $135,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA | 3 | 1.1% | 75% | $185,000 | |
University of Ky FCU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 30 | 10.6% | 78% | $188,333 | |
Polaris Home Funding Corp.
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Conventional, FHA, VA, USDA | 25 | 8.9% | 100% | $220,200 | |
Zippy Loans, LLC
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Conventional | 11 | 3.9% | 78.6% | $27,727 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 10 | 3.5% | 75% | $291,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 3.5% | 100% | $192,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 9 | 3.2% | 14.1% | $79,444 | |
Ark-La-Tex Financial Services LLC
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FHA, VA, USDA | 9 | 3.2% | 69.2% | $263,888 | |
Mortgage Research Center
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Conventional, VA | 8 | 2.8% | 66.7% | $275,000 | |
Freedom Mortgage Corporation
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FHA, VA | 7 | 2.5% | 81.8% | $217,857 | |
Equity Prime Mortgage LLC
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FHA, VA, USDA | 7 | 2.5% | 87.5% | $166,428 | |
Pike Creek Mortgage Services, Inc.
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FHA, USDA | 7 | 2.5% | 100% | $249,285 | |
Everett Financial, Inc.
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Conventional, FHA | 5 | 1.8% | 100% | $101,000 | |
Amerisave Mortgage Company
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Conventional | 4 | 1.4% | 57.1% | $72,500 | |
Union Home Mortgage Corp.
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Conventional | 4 | 1.4% | 100% | $185,000 | |
Nationstar Mortgage
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Conventional, FHA | 4 | 1.4% | 80% | $125,000 | |
New American Funding, LLC.
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FHA | 4 | 1.4% | 66.7% | $220,000 | |
Newrez LLC
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Conventional, USDA | 3 | 1.1% | 100% | $108,333 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 1.1% | 75% | $131,666 | |
First State Bank of the Southeast
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Conventional | 3 | 1.1% | 75% | $171,666 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.7% | 80% | $205,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $200,000 | |
Churchill Mortgage Corporation
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Conventional, FHA | 2 | 0.7% | 100% | $225,000 | |
Planet Home Lending, LLC
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FHA, USDA | 2 | 0.7% | 100% | $175,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 0.7% | 66.7% | $130,000 | |
Spring Eq, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 25% | $65,000 | |
EMM Loans LLC
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VA | 1 | 0.4% | 100% | $535,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.4% | 100% | $435,000 | View |
Guaranteed Rate, Inc.
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FHA | 1 | 0.4% | 50% | $315,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $95,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 0.4% | 100% | $295,000 | |
Nbkc Bank
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Conventional | 1 | 0.4% | 100% | $535,000 | |
United Trust Bank
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VA | 1 | 0.4% | 100% | $215,000 | |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.4% | 100% | $255,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.4% | 100% | $345,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $385,000 | |
T2 Financial LLC
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $345,000 | View |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $165,000 | |
Citadel Servicing Corporation
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Conventional, Jumbo | 1 | 0.4% | 100% | $815,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $595,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.4% | 100% | $245,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.4% | 100% | $125,000 | |
Appalachian Community Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $45,000 | |
Lower, LLC
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FHA | 1 | 0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.4% | 100% | $195,000 | View |
21St Mortgage
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Conventional | 1 | 0.4% | 10% | $105,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.4% | 100% | $345,000 | |
Goprime Mortgage, Inc.
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FHA | 1 | 0.4% | 50% | $195,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
London 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 London, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in London? The list below shows the banks, credit unions and mortgage brokers that closed home loans in London in 2025, with lenders based there listed first.
Types of Mortgage Lenders in London, KY
Use these to narrow the list above. Each category shows how many London, KY lenders fit and what that kind of lender is usually best for.
Who Lends in London, KY
Independent mortgage companies closed 68.4 percent of home loans in London, Kentucky in 2025, banks 23 percent and credit unions 8.5 percent. Stockton Mortgage Corporation was the largest mortgage company, Community Trust Bank, Inc. the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Community Trust 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 London, KY
By home loans closed in 2025, Community Trust Bank, Inc. was the largest mortgage lender in London, Kentucky with 20 loans, about 7.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in London, Kentucky in 2025, led by Polaris Home Funding Corp. with 12. 15 lenders closed VA loans, led by Mortgage Research Center, and 10 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. 20 banks and 6 credit unions closed home loans in London, Kentucky in 2025, alongside 45 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 London, 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 London, 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 London. 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.
