Mortgage Lenders and Brokers in Ludlow, 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
Ludlow, Kentucky mortgage lenders include Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, Central Bank & Trust CoCentral Bank & Trust Co101 Brentwood Dr, Berea, KY 40403A+5.0 ★Texas Ratio: 1.26%, The Park National BankThe Park National Bank2305 River Rd, Louisville, KY 40206A5.0 ★Texas Ratio: 6.62%, and L&N Federal Credit UnionL&N Federal Credit Union1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731A+5.0 ★Texas Ratio: 1.91%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ludlow, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ludlow 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 Ludlow, Kentucky
Market share is the lender's share of all home loans closed in Ludlow, 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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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
8.5% | 100% | $198,333 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +2 HELOCs |
5.6% | 100% | $105,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
2.8% | 100% | $140,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +4 HELOCs |
1.4% | 100% | $85,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +3 HELOCs |
1.4% | 100% | $225,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional, Jumbo | 1 | 1.4% | 100% | $1,965,000 | |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 1.4% | 100% | $225,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional | 1 | 1.4% | 100% | $215,000 | View |
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2305 River Rd, Louisville, KY 40206 A5.0 ★Texas Ratio: 6.62% |
Conventional | 1 | 1.4% | 100% | $65,000 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 8 | 11.3% | 100% | $203,750 | |
United Wholesale Mortgage
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FHA, VA, HELOC | 7 +1 HELOCs |
9.9% | 100% | $223,571 | |
Rocket Mortgage
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Conventional, FHA, VA | 7 | 9.9% | 77.8% | $143,571 | |
Polaris Home Funding Corp.
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FHA | 3 | 4.2% | 100% | $161,666 | |
Amerisave Mortgage Company
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Conventional | 2 | 2.8% | 100% | $35,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 2.8% | 66.7% | $265,000 | |
Mortgage Research Center
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VA | 2 | 2.8% | 100% | $250,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 2.8% | 100% | $175,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 2.8% | 100% | $180,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 1.4% | 100% | $185,000 | |
American Financial Resources LLC
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FHA | 1 | 1.4% | 100% | $245,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 1.4% | 100% | $145,000 | |
Newrez LLC
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Conventional | 1 | 1.4% | 50% | $55,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.4% | 100% | $195,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 1.4% | 100% | $185,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 1.4% | 100% | $155,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 1.4% | 100% | $165,000 | |
Nfm, Inc
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FHA | 1 | 1.4% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 1.4% | 100% | $345,000 | View |
Planet Home Lending, LLC
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VA | 1 | 1.4% | 50% | $255,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 1.4% | 100% | $135,000 | View |
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A5.0 ★Texas Ratio: 10.25% |
Conventional | 1 | 1.4% | 100% | $175,000 | View |
1st National Bank
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Conventional | 1 | 1.4% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.10% |
Conventional | 1 | 1.4% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 1.4% | 100% | $115,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 1.4% | 100% | $185,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 1.4% | 100% | $145,000 | |
Spring Eq, LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Union Savings Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
General Electric Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Ludlow 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 Ludlow, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Ludlow? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ludlow in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ludlow, KY
Use these to narrow the list above. Each category shows how many Ludlow, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Ludlow, KY
Independent mortgage companies closed 64.8 percent of home loans in Ludlow, Kentucky in 2025, banks 33.8 percent and credit unions 1.4 percent. Stockton Mortgage Corporation was the largest mortgage company, Guardian Savings Bank the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Liberty Federal Credit Union led with 1 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 Ludlow, KY
By home loans closed in 2025, Guardian Savings Bank was the largest mortgage lender in Ludlow, Kentucky with 6 loans, about 8.5 percent of the market. The largest lender headquartered in Kentucky was Liberty Federal Credit Union with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Ludlow, Kentucky in 2025, led by United Wholesale Mortgage with 5. 7 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.
Yes. 20 banks and 3 credit unions closed home loans in Ludlow, Kentucky in 2025, alongside 21 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 Ludlow, 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 Ludlow, 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 Ludlow. 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.
