Mortgage Lenders and Brokers in Morehead, 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
Morehead, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.122 E Main St, Morehead, KY 40351A+5.0 ★Texas Ratio: 2.85%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company400 W 1st St, Morehead, KY 40351A+5.0 ★Texas Ratio: 1.99%, Whitaker Bank IncWhitaker Bank Inc1489 Flemingsburg Rd, Morehead, KY 40351A+5.0 ★Texas Ratio: 1.23%, First National Bank of GraysonFirst National Bank of Grayson200 Viking Dr, Morehead, KY 40351, Peoples Bank of Kentucky, IncPeoples Bank of Kentucky, Inc2795 Ky Hwy 801 N, Morehead, KY 40351B4.6 ★Texas Ratio: 20.37%, Community Trust Bank, Inc.Community Trust Bank, Inc.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, Members Heritage CUMembers Heritage CU3301 Leestown Rd, Lexington, KY 40511 8702A+5.0 ★Texas Ratio: 4.52%, City National Bank of WVCity National Bank of WV9431 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 1.47%, Commercial Bank of GraysonCommercial Bank of Grayson208 E Main St, Grayson, KY 41143B4.6 ★Texas Ratio: 19.32%, and Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%. 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 Morehead, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Morehead 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 Morehead, Kentucky
Market share is the lender's share of all home loans closed in Morehead, 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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1 office in Morehead 122 E Main St, Morehead, KY 40351 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, USDA, HELOC | 11 +8 HELOCs |
5.9% | 92.3% | $177,727 | View |
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2 offices in Morehead 400 W 1st St, Morehead, KY 40351 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 4 +15 HELOCs |
2.1% | 80% | $282,500 | View |
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1489 Flemingsburg Rd, Morehead, KY 40351 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 15 | 8% | 88.2% | $101,000 | View |
First National Bank of Grayson
200 Viking Dr, Morehead, KY 40351 |
Conventional | 11 | 5.9% | 73.3% | $195,000 | |
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2795 Ky Hwy 801 N, Morehead, KY 40351 B4.6 ★Texas Ratio: 20.37% |
Conventional | 4 | 2.1% | 100% | $222,500 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 4 | 2.1% | 80% | $230,000 | View |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 3 | 1.6% | 100% | $165,000 | View |
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9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 2 | 1.1% | 100% | $270,000 | View |
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208 E Main St, Grayson, KY 41143 B4.6 ★Texas Ratio: 19.32% |
Conventional | 2 | 1.1% | 100% | $435,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional | 2 | 1.1% | 100% | $200,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, VA | 2 | 1.1% | 100% | $270,000 | View |
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1390 Flemingsburg Rd, Morehead, KY 40351 A+5.0 ★Texas Ratio: 3.39% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $185,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.5% | 100% | $375,000 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.5% | 100% | $465,000 | View |
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6474 Kentucky 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 1 | 0.5% | 100% | $345,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.5% | 100% | $165,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
FHA | 1 | 0.5% | 100% | $185,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional | 3 | 1.6% | 100% | $181,666 | |
University of Ky FCU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 13 | 6.9% | 92.9% | $298,076 | |
Rocket Mortgage
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Conventional, FHA, VA | 13 | 6.9% | 71.4% | $196,538 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 7 +1 HELOCs |
3.7% | 100% | $277,857 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 7 | 3.7% | 15.1% | $93,571 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 7 | 3.7% | 100% | $276,428 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 5 | 2.7% | 100% | $181,000 | |
Everett Financial, Inc.
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Conventional, FHA, USDA | 4 | 2.1% | 100% | $55,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 3 | 1.6% | 100% | $101,666 | |
Amerisave Mortgage Company
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Conventional, FHA | 3 | 1.6% | 60% | $111,666 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 3 | 1.6% | 100% | $65,000 | |
Republic State Mortgage Company
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FHA | 3 | 1.6% | 100% | $288,333 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 1.6% | 100% | $131,666 | |
Mortgage Research Center
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VA | 3 | 1.6% | 75% | $198,333 | |
Lower, LLC
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Conventional, FHA | 3 | 1.6% | 100% | $248,333 | |
Goprime Mortgage, Inc.
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Conventional, FHA, VA | 3 | 1.6% | 100% | $305,000 | |
Ruoff Mortgage Company
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Conventional, FHA | 2 | 1.1% | 100% | $140,000 | |
American Financial Resources LLC
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FHA, USDA | 2 | 1.1% | 100% | $155,000 | |
Freedom Mortgage Corporation
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Conventional, FHA | 2 | 1.1% | 66.7% | $255,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 1.1% | 100% | $125,000 | |
Pennymac Loan Services LLC
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Conventional, VA | 2 | 1.1% | 66.7% | $90,000 | |
First Guaranty Bank
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Conventional | 2 | 1.1% | 100% | $210,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 1.1% | 100% | $295,000 | |
Prosperity Home Mortgage, LLC
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VA, USDA | 2 | 1.1% | 100% | $260,000 | |
Equity Resources Inc
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Conventional | 1 | 0.5% | 100% | $155,000 | |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.5% | 100% | $385,000 | |
Newrez LLC
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VA | 1 | 0.5% | 100% | $355,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.5% | 100% | $405,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.5% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA | 1 | 0.5% | 33.3% | $245,000 | View |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.5% | 100% | $155,000 | |
ClearPath Lending
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VA | 1 | 0.5% | 100% | $175,000 | |
Nfm, Inc
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FHA | 1 | 0.5% | 100% | $315,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.5% | 50% | $95,000 | |
First State Bank
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Conventional | 1 | 0.5% | 100% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.5% | 100% | $125,000 | View |
Nationstar Mortgage
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FHA | 1 | 0.5% | 100% | $145,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 1 | 0.5% | 100% | $175,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.5% | 100% | $225,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.5% | 100% | $125,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 100% | $175,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 14.3% | $185,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.5% | 50% | $155,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.5% | 50% | $45,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending 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 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Morehead 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 Morehead, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Morehead? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Morehead in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Morehead, KY
Use these to narrow the list above. Each category shows how many Morehead, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Morehead, KY
Independent mortgage companies closed 56.9 percent of home loans in Morehead, Kentucky in 2025, banks 36.7 percent and credit unions 6.4 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Members Heritage CU the largest credit union. Among lenders headquartered in Kentucky, Stock Yards Bank & Trust Company led with 4 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 Morehead, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Morehead, Kentucky with 11 loans, about 5.9 percent of the market. The largest lender headquartered in Kentucky was Stock Yards Bank & Trust Company with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Morehead, Kentucky in 2025, led by United Wholesale Mortgage with 4. 15 lenders closed VA loans, led by Navy Federal Credit Union, and 5 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 25 banks and 5 credit unions closed home loans in Morehead, Kentucky in 2025, alongside 41 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 Morehead, 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 Morehead, 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 Morehead. 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.
