☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of homeowners have a mortgage rate under 4%. See the full results

Home / Mortgage Lenders / Kentucky / Louisville

iAdvertiser Disclosure

Mortgage Lenders and Brokers in Louisville, Kentucky

Content reviewed by

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

Louisville, Kentucky mortgage lenders include First Financial BankFirst Financial Bank9306 Taylorsville Rd, Louisville, KY 40299A+5.0 ★Texas Ratio: 3.21%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company400 W Market St, Louisville, KY 40202A+5.0 ★Texas Ratio: 1.99%, Republic Bank & TrustRepublic Bank & Trust1720 W Broadway, Louisville, KY 40203A+5.0 ★Texas Ratio: 2.91%, US Bank, N.A.US Bank, N.A.4915 Dixie Hwy, Louisville, KY 40216A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3820 Brownsboro Rd, Louisville, KY 40207A+5.0 ★Texas Ratio: 3.68%, L&N Federal Credit UnionL&N Federal Credit Union9265 SMYRNA PKWY, LOUISVILLE, KY 40229A+5.0 ★Texas Ratio: 1.91%, PNC Bank N.A.PNC Bank N.A.5021 S 3rd St, Louisville, KY 40214A+5.0 ★Texas Ratio: 4.24%, Fifth Third Bank, National AssociationFifth Third Bank, National Association4801 Norton Healthcare Blvd, Louisville, KY 40241A+5.0 ★Texas Ratio: 3.22%, River City Bank, Inc.River City Bank, Inc.6308 Greenwood Rd, Louisville, KY 40258A+5.0 ★Texas Ratio: 2.69%, and Wilson & Muir Bank & Trust CompanyWilson & Muir Bank & Trust Company130 Saint Matthews Ave, Louisville, KY 40207A+4.9 ★Texas Ratio: 2.62%. 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 Louisville, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Louisville 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 Louisville, Kentucky

Market share is the lender's share of all home loans closed in Louisville, 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
First Financial Bank 5 offices in Louisville 9306 Taylorsville Rd, Louisville, KY 40299 A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo, HELOC	156 +17 HELOCs	4.6%	90.2%	$200,320	View
Stock Yards Bank & Trust Company 25 offices in Louisville 400 W Market St, Louisville, KY 40202 A+5.0 ★Texas Ratio: 1.99%	Conventional, FHA, VA, Jumbo, HELOC	146 +106 HELOCs	4.3%	85.5%	$201,232	View
Republic Bank & Trust 14 offices in Louisville 1720 W Broadway, Louisville, KY 40203 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, Jumbo, HELOC	106 +90 HELOCs	3.1%	86.3%	$188,490	View
US Bank, N.A. 15 offices in Louisville 4915 Dixie Hwy, Louisville, KY 40216 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	88 +27 HELOCs	2.6%	78.9%	$197,954	View
JPMorgan Chase Bank, NA 17 offices in Louisville 3820 Brownsboro Rd, Louisville, KY 40207 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, VA, Jumbo, HELOC	74 +9 HELOCs	2.2%	85.4%	$221,486	View
L&N Federal Credit Union 9265 SMYRNA PKWY, LOUISVILLE, KY 40229 A+5.0 ★Texas Ratio: 1.91%	Conventional, HELOC	63 +68 HELOCs	1.9%	92.6%	$195,793	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 28 offices in Louisville 5021 S 3rd St, Louisville, KY 40214 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, VA, Jumbo, HELOC	59 +179 HELOCs	1.7%	85.7%	$214,830	View
Fifth Third Bank, National Association 23 offices in Louisville 4801 Norton Healthcare Blvd, Louisville, KY 40241 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, VA, HELOC	54 +111 HELOCs	1.6%	60.9%	$150,555	View
River City Bank, Inc. 5 offices in Louisville 6308 Greenwood Rd, Louisville, KY 40258 A+5.0 ★Texas Ratio: 2.69%	Conventional	53	1.6%	80.8%	$171,603	View
Wilson & Muir Bank & Trust Company 1 office in Louisville 130 Saint Matthews Ave, Louisville, KY 40207 A+4.9 ★Texas Ratio: 2.62%	Conventional, FHA, Jumbo	50	1.5%	100%	$234,000	View
Truist Bank ★ 1 stars, 1 review 16 offices in Louisville 3450 Taylor Blvd, Louisville, KY 40215 A+5.0 ★Texas Ratio: 2.87%	Conventional, VA, HELOC	30 +27 HELOCs	0.9%	69.8%	$199,333	View
Liberty Federal Credit Union 1200 Forest Bridge Rd, Louisville, KY 40223 5170	Conventional, FHA, Jumbo, HELOC	29 +5 HELOCs	0.9%	90.6%	$378,793
Peoples Bank 3 offices in Louisville 2500 Eastpoint Pkwy, Louisville, KY 40223 A+5.0 ★Texas Ratio: 3.39%	Conventional, HELOC	29 +5 HELOCs	0.9%	78.9%	$118,793	View
Class Act Federal Credit Union 3620 Fern Valley Rd, Louisville, KY 40219 1917	Conventional	28	0.8%	84.8%	$89,642
Old National Bank 3 offices in Louisville 400 West Market Street, Louisville, KY 40290 A+5.0 ★Texas Ratio: 4.98%	Conventional, HELOC	20 +4 HELOCs	0.6%	83.3%	$221,500	View
Transcend Credit Union 7215 Riverport Plaza Dr, Louisville, KY 40258 A+5.0 ★Texas Ratio: 0.70%	Conventional	16	0.5%	90.9%	$301,250	View
Bank of America NA 3 offices in Louisville 4621 Shelbyville Road, Louisville, KY 40207 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, Jumbo, HELOC	15 +7 HELOCs	0.4%	68.2%	$242,333	View
Eclipse Bank Inc 2 offices in Louisville 3827 Shelbyville Rd, Louisville, KY 40207 A+5.0 ★Texas Ratio: 3.43%	Conventional	13	0.4%	100%	$194,230	View
South Central Bank Inc 2 offices in Louisville 4910 Brownsboro Rd, Louisville, KY 40222 A+5.0 ★Texas Ratio: 2.83%	Conventional, FHA, HELOC	10 +4 HELOCs	0.3%	100%	$200,000	View
The Park National Bank 1 office in Louisville 2305 River Rd, Louisville, KY 40206 A5.0 ★Texas Ratio: 6.62%	Conventional, HELOC	9 +1 HELOCs	0.3%	90%	$142,777	View
Guardian Savings Bank 1 office in Louisville 2503 South Hurstbourne Parkway, Louisville, KY 40220 A+5.0 ★Texas Ratio: 1.35%	Conventional, FHA	8	0.2%	72.7%	$283,750	View
Independence Bank of Kentucky 1 office in Louisville 1900 Colonel Sanders Ln, Louisville, KY 40213 A+5.0 ★Texas Ratio: 0.79%	Conventional, HELOC	5 +4 HELOCs	0.1%	83.3%	$229,000	View
German American Bank 3 offices in Louisville 101 Huntington Ridge Drive, Louisville, KY 40223 A+5.0 ★Texas Ratio: 1.93%	Conventional, FHA, Jumbo, HELOC	3 +21 HELOCs	0.1%	100%	$448,333	View
Wesbanco Bank, Inc. 2 offices in Louisville 3650 S Hurstbourne Pkwy, Louisville, KY 40299 A+5.0 ★Texas Ratio: 3.87%	Conventional, FHA, HELOC	3 +5 HELOCs	0.1%	100%	$175,000	View
Advanz Federal Credit Union 9600 Ormsby Station Rd, Louisville, KY 40223 4008 A+5.0 ★Texas Ratio: 1.45%	Conventional, HELOC	3 +1 HELOCs	0.1%	75%	$75,000	View
Cumberland Valley National Bank & Trust Co 1 office in Louisville 13205 Magisterial Dr, Louisville, KY 40223 A+5.0 ★Texas Ratio: 1.64%	Conventional	3	0.1%	100%	$228,333	View
Central Bank & Trust Co 4 offices in Louisville 321 W Main St, Louisville, KY 40202 A+5.0 ★Texas Ratio: 1.26%	Conventional, HELOC	2 +18 HELOCs	0.1%	100%	$245,000	View
Pinnacle Bank 1 office in Louisville 100 Mallard Creek Rd, Louisville, KY 40207 A+5.0 ★Texas Ratio: 3.04%	Conventional	2	0.1%	100%	$315,000	View
Autotruck Financial Credit Union 7651 Jefferson Green Way, Louisville, KY 40219 A+5.0 ★Texas Ratio: 3.55%	Conventional, HELOC	1 +1 HELOCs	0%	50%	$55,000	View
The Paducah Bank and Trust Company 1 office in Louisville 614 W Main St, Louisville, KY 40202 A+5.0 ★Texas Ratio: 1.48%	Conventional	1	0%	100%	$335,000	View
Park Community Credit Union	Conventional, HELOC	24 +28 HELOCs	0.7%	88.9%	$186,250
Fair Way Lending, LLC	Conventional, FHA	9	0.3%	75%	$231,666
Magnolia Bank 651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, VA	65	1.9%	92.9%	$232,846	View
Commonwealth Federal Credit Union 3704 Frankfort Ave, Louisville, KY 40207	Conventional, HELOC	21 +34 HELOCs	0.6%	71%	$209,285
Huntington National Bank 2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66%	Conventional, HELOC	21 +5 HELOCs	0.6%	100%	$217,857	View
Abound Federal Credit Union 9915 Dixie Hwy, Louisville, KY 40272 A+5.0 ★Texas Ratio: 3.44%	Conventional, VA, HELOC	18 +6 HELOCs	0.5%	81.8%	$252,222	View
Traditional Bank Inc 400 Blankenbaker Pkwy, Louisville, KY 40243 A+5.0 ★Texas Ratio: 2.69%	Conventional, FHA, Jumbo, HELOC	15 +1 HELOCs	0.4%	84.2%	$241,666	View
United Citizens Bank & Trust Company 4727 W Highway 146, Buckner, KY 40010	Conventional	7	0.2%	100%	$203,571
The Lincoln National Bank of Hodgenville 500 Lincoln Way, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 2.54%	Conventional	4	0.1%	100%	$445,000	View
Community Trust Bank, Inc. 6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53%	Conventional, HELOC	3 +1 HELOCs	0.1%	100%	$435,000	View
Meade County Bank ★ 5 stars, 1 review 2175 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.59%	Conventional	3	0.1%	100%	$335,000	View
Firstbank 5290 Scottsville Rd, Bowling Green, KY 42104 A5.0 ★Texas Ratio: 7.51%	Conventional	3	0.1%	100%	$175,000	View
Regions Bank 507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	2 +2 HELOCs	0.1%	33.3%	$480,000	View
First Harrison Bank 140 S Poplar St, Lebanon Junction, KY 40150 A+5.0 ★Texas Ratio: 3.57%	Conventional	2	0.1%	100%	$235,000	View
Franklin Bank & Trust Company 398 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 6.93%	Conventional	2	0.1%	100%	$155,000	View
West Point Bank 502 W Dixie Ave, Elizabethtown, KY 42701 A5.0 ★Texas Ratio: 9.97%	Conventional	2	0.1%	100%	$95,000	View
Town & Country Bank and Trust Co. 237 Nelson Plaza, Bardstown, KY 40004	Conventional	1	0%	100%	$65,000
First National Bank of Kentucky 2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94%	Conventional	1	0%	50%	$415,000	View
Monticello Banking Company ★ 5 stars, 1 review 9900 Ormsby Station Rd, Louisville, KY 40223 A+5.0 ★Texas Ratio: 0.91%	Conventional	1	0%	100%	$255,000	View
Whitaker Bank Inc 102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23%	Conventional	1	0%	100%	$145,000	View
The Health and Education Federal Credit Union 424 Park Pl, Lexington, KY 40511 1829 A+5.0 ★Texas Ratio: 0.46%	Conventional	1	0%	100%	$295,000	View
The Peoples Bank 5511 Taylorsville Rd, Fisherville, KY 40023 A5.0 ★Texas Ratio: 8.67%	Conventional	1	0%	100%	$95,000	View
Forcht Bank, N.A. 8492 Dixie Hwy, Louisville, KY 40258 A+5.0 ★Texas Ratio: 0.45%	Conventional	1	0%	100%	$405,000	View
Farmers Bank of Milton 1935 Highway 227, Carrollton, KY 41008 A5.0 ★Texas Ratio: 8.77%	Conventional	1	0%	100%	$265,000	View
Community Financial Services Bank 221 W 5th St, Benton, KY 42025 A+5.0 ★Texas Ratio: 3.65%	Conventional	1	0%	100%	$205,000	View
Peoples Bank Mt Washington 415 Oakbrooke Dr, Mount Washington, KY 40047 A5.0 ★Texas Ratio: 10.59%	Conventional	1	0%	100%	$715,000	View
Stockton Mortgage Corporation	Conventional, FHA	41	1.2%	91.3%	$196,951
Victory Mortgage, LLC	FHA	1	0%	100%	$305,000
University of Ky FCU	HELOC	0 +28 HELOCs	0%	0%
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	352 +5 HELOCs	10.4%	90.7%	$238,125
Rocket Mortgage	Conventional, FHA, VA	279	8.2%	80.8%	$174,498
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, FHA, VA, HELOC	130 +9 HELOCs	3.8%	83%	$204,000	View
Fairway Independent Mort Corp	Conventional, FHA, VA	75	2.2%	91.5%	$180,600
Interlinc Mortgage Services, LLC	Conventional, FHA, VA	74	2.2%	98.7%	$250,675
The Loan Store, Inc	Conventional, FHA, HELOC	67 +2 HELOCs	2%	87.8%	$242,611
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo, HELOC	54 +3 HELOCs	1.6%	94.8%	$252,222
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	50	1.5%	100%	$224,800
Lower, LLC	Conventional, FHA, VA	39	1.1%	95.1%	$268,076
Pike Creek Mortgage Services, Inc.	Conventional, FHA, VA	37	1.1%	100%	$237,162
Freedom Mortgage Corporation	Conventional, FHA, VA	33	1%	76.4%	$254,393
Kind Lending, LLC	Conventional, FHA, VA	33	1%	76.7%	$215,909
Mortgage Research Center	Conventional, FHA, VA	33	1%	52.4%	$204,696
Everett Financial, Inc.	Conventional, FHA, VA	32	0.9%	100%	$126,250
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	30 +3 HELOCs	0.9%	100%	$217,333
New American Funding, LLC.	Conventional, FHA, VA, HELOC	30 +1 HELOCs	0.9%	81.1%	$197,666
Prosperity Home Mortgage, LLC	Conventional, FHA	30	0.9%	96.8%	$273,000
Union Home Mortgage Corp.	Conventional, FHA, VA, HELOC	27 +1 HELOCs	0.8%	87.1%	$349,814
Bay Equity LLC	Conventional, FHA, VA	26	0.8%	96.3%	$174,615
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	25	0.7%	96.3%	$246,200
Provident Funding Associates	Conventional	25	0.7%	86.7%	$328,200
EMM Loans LLC	Conventional, FHA, VA	24	0.7%	77.4%	$158,333
Newrez LLC	Conventional, FHA, VA, Jumbo	23	0.7%	51.1%	$288,478
loanDepot.com LLC	Conventional, FHA, VA	23	0.7%	63.2%	$159,347
T2 Financial LLC	Conventional, FHA	23	0.7%	95.8%	$218,913
Nationstar Mortgage	Conventional, FHA	23	0.7%	88.5%	$131,086
Paramount Residential Mortgage	Conventional, FHA, VA	22	0.6%	88%	$257,272
American Financial Resources LLC	Conventional, FHA, VA	20	0.6%	95.2%	$197,000
Plaza Home Mortgage, Inc	Conventional, FHA	20	0.6%	80.8%	$205,000
Amerisave Mortgage Company	Conventional, FHA, VA	18	0.5%	29.2%	$126,666
Click n' Close, Inc.	Conventional, FHA	17	0.5%	81%	$113,235
Texana Bank	Conventional, FHA, VA	14	0.4%	100%	$263,571
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	13 +5 HELOCs	0.4%	60.9%	$161,923
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	13	0.4%	92.9%	$138,846	View
Spring Eq, LLC	Conventional, HELOC	12 +4 HELOCs	0.4%	46.4%	$67,500
AmeriHome Mortgage Company, LLC	Conventional, FHA	12	0.4%	80%	$243,333
Guaranteed Rate, Inc.	Conventional, VA	11	0.3%	91.7%	$251,363
Zillow Home Loans, LLC	Conventional, FHA	9	0.3%	81.8%	$223,888
Primary Residential Mortgage, INC.	Conventional, FHA	8	0.2%	100%	$185,000
Guild Mortgage Company	Conventional, FHA, VA	8	0.2%	100%	$173,750
The Mortgage Warehouse, LLC	Conventional, FHA	8	0.2%	88.9%	$255,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional, VA	8	0.2%	64.3%	$178,750	View
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	8	0.2%	88.9%	$286,250	View
Lakeview Loan Servicing, LLC	Conventional, FHA	7	0.2%	41.4%	$225,000
Equity Prime Mortgage LLC	FHA, VA	7	0.2%	87.5%	$216,428
Dart Bank	Conventional, FHA, VA	7	0.2%	100%	$272,142
American Financial Network, Inc.	Conventional, FHA	7	0.2%	87.5%	$176,428
Mutual of Omaha Mortgage	Conventional, FHA	7	0.2%	77.8%	$259,285
Centra Credit Union A+5.0 ★Texas Ratio: 3.12%	Conventional, HELOC	6 +3 HELOCs	0.2%	100%	$175,000	View
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA	6	0.2%	66.7%	$295,000	View
Canopy Mortgage, LLC	Conventional, FHA	6	0.2%	100%	$148,333
Nbkc Bank	Conventional, VA	6	0.2%	100%	$313,333
New Day Financial, LLC.	VA	6	0.2%	33.3%	$155,000
Royal United Mortgage LLC	Conventional, VA	5	0.1%	100%	$117,000
Envoy Mortgage, Ltd	Conventional, FHA	5	0.1%	62.5%	$159,000
Cmg Mortgage Inc	Conventional, VA	5	0.1%	100%	$233,000
Discover Bank	Conventional	5	0.1%	23.8%	$65,000
Carrington Mortgage Services LLC	Conventional, FHA	5	0.1%	33.3%	$79,000
Sage Home Loans Corporation	Conventional	4	0.1%	80%	$275,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	4	0.1%	80%	$275,000	View
Premier Lending Inc.	Conventional, FHA	4	0.1%	100%	$140,000
Planet Home Lending, LLC	FHA, VA	4	0.1%	80%	$192,500
Better Mortgage Corporation	Conventional, FHA	4	0.1%	83.3%	$212,500
Guaranteed Rate Affinity, LLC	Conventional	3	0.1%	75%	$328,333
PHH Mortgage Corporation	FHA, VA	3	0.1%	100%	$158,333
Ocmbc, Inc.	Conventional	3	0.1%	71.4%	$138,333
Sun West Mortgage Company, Inc	FHA	3	0.1%	75%	$148,333
Churchill Mortgage Corporation	Conventional	3	0.1%	100%	$141,666
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional	3	0.1%	42.9%	$208,333	View
RoundPoint Mortgage Servicing LLC	Conventional, FHA	3	0.1%	100%	$181,666
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional, VA	3	0.1%	75%	$188,333	View
Southwest Funding LP	Conventional, FHA	3	0.1%	100%	$248,333
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, HELOC	2 +8 HELOCs	0.1%	100%	$235,000	View
HomeBridge Financial Services, Inc	Conventional, HELOC	2 +4 HELOCs	0.1%	66.7%	$325,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$190,000	View
Primelending	Conventional, FHA	2	0.1%	100%	$290,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional	2	0.1%	100%	$350,000	View
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	2	0.1%	100%	$130,000	View
AdvantageFirst Lending Inc	FHA, VA	2	0.1%	33.3%	$235,000
Indiana Members Credit Union	Conventional	2	0.1%	100%	$120,000
Success Mortgage Partners, Inc	Conventional, FHA	2	0.1%	100%	$65,000
Credit Union Mortgage Associat A+5.0 ★Texas Ratio: 3.45%	Conventional	2	0.1%	100%	$155,000	View
Securitynational Mortgage Company	Conventional, FHA	2	0.1%	33.3%	$115,000
Community First National Bank A+5.0 ★Texas Ratio: 1.41%	VA, Jumbo	2	0.1%	100%	$1,620,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, VA	2	0.1%	100%	$125,000	View
Tjc Mortgage Inc	Conventional, FHA	2	0.1%	100%	$65,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.1%	100%	$75,000
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	2	0.1%	100%	$215,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	2	0.1%	100%	$125,000	View
Pulte Mortgage LLC	Conventional	2	0.1%	50%	$300,000
Geneva Financial LLC	Conventional, FHA	2	0.1%	100%	$180,000
Vanderbilt Mortgage and Finance, Inc	Conventional	2	0.1%	16.7%	$130,000
Reliance First Capital, LLC	Conventional, FHA	2	0.1%	100%	$105,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	2	0.1%	100%	$255,000	View
JMAC Lending, Inc.	FHA, VA	2	0.1%	100%	$270,000
First Savings Bank	Conventional, HELOC	1 +2 HELOCs	0%	100%	$345,000
Alliant Credit Union A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$105,000	View
Genisys Credit Union	Conventional	1	0%	100%	$695,000
Ruoff Mortgage Company	Conventional	1	0%	50%	$255,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	VA	1	0%	100%	$475,000	View
First Community Mortgage, Inc.	VA	1	0%	100%	$205,000
Bny Mellon, N.A. A+5.0 ★Texas Ratio: 0.37%	Conventional, Jumbo	1	0%	50%	$955,000	View
SWBC Mortgage Corporation	Conventional	1	0%	100%	$275,000
Carrollton Bank A+5.0 ★Texas Ratio: 3.58%	Conventional	1	0%	100%	$135,000	View
Go Mortgage, LLC	Conventional	1	0%	100%	$125,000
Keybank National Association A+5.0 ★Texas Ratio: 4.81%	Conventional	1	0%	100%	$225,000	View
Guidance Residential, LLC	Conventional	1	0%	100%	$285,000
City National Bank A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$235,000	View
Liberty Bank	Conventional	1	0%	100%	$275,000
United Trust Bank	FHA	1	0%	50%	$215,000
Granite Bank A5.0 ★Texas Ratio: 13.85%	FHA	1	0%	100%	$355,000	View
Resicentral LLC	Conventional	1	0%	100%	$345,000
Home Mortgage Alliance Corp (Hmac)	Conventional	1	0%	100%	$175,000
Eustis Mortgage Corp	Conventional	1	0%	100%	$645,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0%	100%	$275,000	View
AmWest Funding Corp	Conventional	1	0%	100%	$205,000
Michigan Mutual, Inc	Conventional	1	0%	100%	$195,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0%	100%	$285,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$185,000
Ez Fundings Inc	Conventional	1	0%	100%	$105,000
Kemba Credit Union A+5.0 ★Texas Ratio: 2.56%	Conventional	1	0%	100%	$165,000	View
ClearPath Lending	VA	1	0%	100%	$145,000
First Colony Mortgage Corporat	Conventional	1	0%	100%	$245,000
Total Mortgage Services, LLC	Conventional	1	0%	100%	$115,000
Bokf NA A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0%	100%	$635,000	View
Cardinal Financial Company, Li	FHA	1	0%	100%	$205,000
Stg Mortgage Inc	Conventional	1	0%	100%	$285,000
American Internet Mortgage, Inc.	Conventional	1	0%	100%	$135,000
Shoreham Bank	FHA	1	0%	100%	$25,000
Atlantic Bay Mortgage Group	FHA	1	0%	100%	$205,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0%	100%	$415,000	View
Nations Lending Corporation	FHA	1	0%	100%	$175,000
BoxCar Mortgage, LLC	Conventional	1	0%	100%	$115,000
Hometown Equity Mortgage, LLC	FHA	1	0%	100%	$135,000
Sierra Pacific Mortgage Co. Inc	Conventional	1	0%	50%	$335,000
Baxter Credit Union	Conventional	1	0%	100%	$115,000
Union Savings Bank	Conventional	1	0%	100%	$265,000
The New Washington State Bank A5.0 ★Texas Ratio: 10.00%	Conventional	1	0%	100%	$125,000	View
First Federal S&L of Lakewood A+5.0 ★Texas Ratio: 4.66%	Conventional	1	0%	100%	$525,000	View
The First National Bank of Carmi	Conventional	1	0%	100%	$225,000
Member First Mortgage, LLC	Conventional	1	0%	100%	$195,000
United Mortgage Corp. A+5.0 ★Texas Ratio: 2.15%	FHA	1	0%	100%	$195,000	View
Towne Mortgage Company	VA	1	0%	100%	$175,000
Uif Corporation	Conventional	1	0%	100%	$205,000
Legacy Home Loans, LLC	Conventional	1	0%	100%	$665,000
Mortgage Solutions of Colorado	VA	1	0%	50%	$175,000
Sibcy Cline Mortgage Services, Inc.	Conventional, Jumbo	1	0%	100%	$965,000
Endeavor Capital, LLC	FHA	1	0%	50%	$145,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0%	50%	$215,000	View
Merchants Bank of Indiana A5.0 ★Texas Ratio: 11.97%	Conventional	1	0%	100%	$165,000	View
RBC Bank (Georgia), N.A.	Conventional	1	0%	100%	$215,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0%	100%	$605,000	View
The Home Savings and Loan Company of Kenton, Ohio	Conventional	1	0%	100%	$185,000
Mortgage Investors Group	Conventional	1	0%	100%	$385,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0%	100%	$225,000	View
Nexera Holding LLC	Conventional	1	0%	100%	$215,000
University Federal Credit Union A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0%	100%	$255,000	View
Gold Coast Bank	Conventional	1	0%	100%	$205,000
Tomo Mortgage LLC	Conventional	1	0%	100%	$155,000
Ameris Bank ★ 4 stars, 1 review A+5.0 ★Texas Ratio: 1.82%	VA	1	0%	100%	$485,000	View
Village Capital & Investment	FHA	1	0%	71.4%	$245,000
Figure Lending LLC	HELOC	0 +15 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +4 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +2 HELOCs	0%	0%
Fortera Federal Credit Union A+5.0 ★Texas Ratio: 3.76%	HELOC	0 +1 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Indiana University CU	HELOC	0 +1 HELOCs	0%	n/a
Purdue Federal Cu	HELOC	0 +1 HELOCs	0%	n/a
Star Financial Bank A+5.0 ★Texas Ratio: 2.87%	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.

Louisville 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 Louisville, Kentucky

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

Types of Mortgage Lenders in Louisville, KY

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

Mortgage companies and brokers 111 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 94 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 93 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 55 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 18 lenders. Loans above the conforming limit for higher priced homes Local lenders based in KY 41 lenders headquartered in Kentucky, the closest thing to a mortgage lender near you

Who Lends in Louisville, KY

Independent mortgage companies closed 54.2 percent of home loans in Louisville, Kentucky in 2025, banks 39 percent and credit unions 6.8 percent. Fair Way Lending, LLC was the largest mortgage company, First Financial Bank the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Stock Yards Bank & Trust Company led with 146 loans.

54.2%

Mortgage companies

39%

Banks

6.8%

Credit unions

17%

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 Lexington-Fayette 258 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 Louisville, KY

Who is the largest mortgage lender in Louisville, KY?

By home loans closed in 2025, First Financial Bank was the largest mortgage lender in Louisville, Kentucky with 156 loans, about 4.6 percent of the market. The largest lender headquartered in Kentucky was Stock Yards Bank & Trust Company with 146 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Louisville, KY have the highest approval rates?

Among lenders with meaningful volume in Louisville, Kentucky, Wilson & Muir Bank & Trust Company approved the highest share of completed applications in 2025 at 100 percent, against a 82.8 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 Louisville, KY mortgage lenders offer FHA, VA and USDA loans?

93 lenders closed FHA loans in Louisville, Kentucky in 2025, led by United Wholesale Mortgage with 78. 55 lenders closed VA loans, led by United Wholesale Mortgage. 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 Louisville, KY lender list?

Yes. 94 banks and 25 credit unions closed home loans in Louisville, Kentucky in 2025, alongside 111 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 Louisville, KY ranked on this page?

Lenders are ranked only by the number of home loans they closed in Louisville, 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 Louisville, 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 Louisville. 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.