Mortgage Lenders and Brokers in Mount Sterling, 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
Mount Sterling, Kentucky mortgage lenders include Traditional Bank IncTraditional Bank Inc1378 Indian Mound Dr, Mount Sterling, KY 40353A+5.0 ★Texas Ratio: 2.69%, Community Trust Bank, Inc.Community Trust Bank, Inc.110 N Maysville St, Mount Sterling, KY 40353A+5.0 ★Texas Ratio: 3.53%, Peoples Exchange BankPeoples Exchange Bank560 Indian Mound Dr, Mount Sterling, KY 40353A+5.0 ★Texas Ratio: 1.13%, City National Bank of WVCity National Bank of WV101 Commonwealth Dr, Mount Sterling, KY 40353A+5.0 ★Texas Ratio: 1.47%, Peoples Bank of Kentucky, IncPeoples Bank of Kentucky, Inc202 Bentley Way, Mount Sterling, KY 40353B4.6 ★Texas Ratio: 20.37%, Whitaker Bank IncWhitaker Bank Inc275 Indian Mound Dr, Mount Sterling, KY 40353A+5.0 ★Texas Ratio: 1.23%, Members Heritage CUMembers Heritage CU3301 Leestown Rd, Lexington, KY 40511 8702A+5.0 ★Texas Ratio: 4.52%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company111 Chaplin Rd, Bloomfield, KY 40008A+5.0 ★Texas Ratio: 1.99%, and US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%. 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 Mount Sterling, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Mount Sterling 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 Mount Sterling, Kentucky
Market share is the lender's share of all home loans closed in Mount Sterling, 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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3 offices in Mount Sterling 1378 Indian Mound Dr, Mount Sterling, KY 40353 A+5.0 ★Texas Ratio: 2.69% |
Conventional, FHA, USDA, HELOC | 27 +28 HELOCs |
8.3% | 84.4% | $182,777 | View |
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1 office in Mount Sterling 110 N Maysville St, Mount Sterling, KY 40353 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 20 +14 HELOCs |
6.1% | 100% | $186,500 | View |
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1 office in Mount Sterling 560 Indian Mound Dr, Mount Sterling, KY 40353 A+5.0 ★Texas Ratio: 1.13% |
Conventional, FHA | 13 | 4% | 72.2% | $231,923 | View |
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1 office in Mount Sterling 101 Commonwealth Dr, Mount Sterling, KY 40353 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 2 +5 HELOCs |
0.6% | 33.3% | $75,000 | View |
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1 office in Mount Sterling 202 Bentley Way, Mount Sterling, KY 40353 B4.6 ★Texas Ratio: 20.37% |
Conventional | 1 | 0.3% | 50% | $315,000 | View |
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275 Indian Mound Dr, Mount Sterling, KY 40353 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 15 | 4.6% | 88.2% | $111,666 | View |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 6 | 1.8% | 100% | $121,666 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 5 +8 HELOCs |
1.5% | 100% | $209,000 | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, FHA, USDA, HELOC | 5 +4 HELOCs |
1.5% | 100% | $183,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 5 +1 HELOCs |
1.5% | 55.6% | $121,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, VA, HELOC | 4 +4 HELOCs |
1.2% | 80% | $220,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.6% | 100% | $220,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 66.7% | $55,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
FHA, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $265,000 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
Conventional | 1 | 0.3% | 100% | $55,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 100% | $465,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
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1315 CANNONSBURG RD, ASHLAND, KY 41102 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
Farmers Bank
200 N Main St, Nicholasville, KY 40356 |
Conventional | 1 | 0.3% | 100% | $115,000 | |
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131 Gold Vault Rd, Fort Knox, KY 40121 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.3% | 100% | $305,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
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% | 0% | View | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 6 | 1.8% | 100% | $228,333 | |
University of Ky FCU
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Conventional, HELOC | 3 +11 HELOCs |
0.9% | 42.9% | $138,333 | |
Farm Credit Mid-America, Aca
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Conventional | 3 | 0.9% | 100% | $288,333 | |
Field & Main Bank
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 33 | 10.1% | 82.9% | $179,242 | |
Republic State Mortgage Company
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Conventional, FHA, VA | 25 | 7.6% | 100% | $210,200 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
4.6% | 93.8% | $249,666 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, USDA | 11 | 3.4% | 92.3% | $205,909 | |
Mortgage Research Center
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FHA, VA | 10 | 3.1% | 71.4% | $266,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 7 | 2.1% | 88.9% | $273,571 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 5 | 1.5% | 83.3% | $203,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 5 | 1.5% | 100% | $117,000 | |
New American Funding, LLC.
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Conventional, FHA | 5 | 1.5% | 83.3% | $209,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA, VA | 4 | 1.2% | 100% | $292,500 | View |
Amerisave Mortgage Company
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Conventional, FHA | 4 | 1.2% | 44.4% | $175,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, USDA | 4 | 1.2% | 100% | $220,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 3 | 0.9% | 80% | $165,000 | |
Newrez LLC
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Conventional, FHA, USDA | 3 | 0.9% | 75% | $161,666 | |
Equity Prime Mortgage LLC
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FHA, USDA | 3 | 0.9% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA | 3 | 0.9% | 100% | $178,333 | View |
Lower, LLC
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Conventional, FHA | 3 | 0.9% | 100% | $178,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.6% | 100% | $60,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.6% | 66.7% | $90,000 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 0.6% | 75% | $200,000 | |
Kind Lending, LLC
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Conventional, VA | 2 | 0.6% | 100% | $230,000 | |
PHH Mortgage Corporation
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Conventional | 2 | 0.6% | 100% | $135,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 2 | 0.6% | 100% | $345,000 | |
T2 Financial LLC
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FHA | 2 | 0.6% | 100% | $160,000 | |
The Loan Store, Inc
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Conventional, FHA | 2 | 0.6% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA | 2 | 0.6% | 100% | $225,000 | View |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.6% | 100% | $230,000 | |
The Home Savings and Loan Company of Kenton, Ohio
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Conventional, Jumbo | 2 | 0.6% | 100% | $720,000 | |
21St Mortgage
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Conventional | 2 | 0.6% | 22.2% | $85,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 2 | 0.6% | 12.1% | $105,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $85,000 | View |
Polaris Home Funding Corp.
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USDA | 1 | 0.3% | 100% | $155,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.3% | 100% | $235,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Primary Residential Mortgage, INC.
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USDA | 1 | 0.3% | 100% | $205,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 100% | $265,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Loanunited.Com, LLC
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VA | 1 | 0.3% | 100% | $285,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $185,000 | |
loanDepot.com LLC
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Conventional | 1 | 0.3% | 100% | $125,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 100% | $55,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.3% | 100% | $175,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 100% | $205,000 | View |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
Union Savings Bank
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Conventional | 1 | 0.3% | 100% | $365,000 | |
Mortgage Solutions of Colorado
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Conventional | 1 | 0.3% | 100% | $535,000 | |
Prosperity Home Mortgage, LLC
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VA | 1 | 0.3% | 100% | $235,000 | |
Mortgage Investors Group
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FHA | 1 | 0.3% | 100% | $345,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 0.3% | 50% | $185,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $295,000 | View |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.3% | 50% | $135,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.3% | 100% | $205,000 | |
Geneva Financial LLC
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USDA | 1 | 0.3% | 100% | $175,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $365,000 | |
Goprime Mortgage, Inc.
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VA | 1 | 0.3% | 100% | $595,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.3% | 100% | $175,000 | |
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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 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Mount Sterling 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 Mount Sterling, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Mount Sterling? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Mount Sterling in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Mount Sterling, KY
Use these to narrow the list above. Each category shows how many Mount Sterling, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Mount Sterling, KY
Independent mortgage companies closed 57.5 percent of home loans in Mount Sterling, Kentucky in 2025, banks 37 percent and credit unions 5.5 percent. Stockton Mortgage Corporation was the largest mortgage company, Traditional Bank Inc the largest bank and Members Heritage CU the largest credit union. Among lenders headquartered in Kentucky, Traditional Bank Inc led with 27 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 Mount Sterling, KY
By home loans closed in 2025, Traditional Bank Inc was the largest mortgage lender in Mount Sterling, Kentucky with 27 loans, about 8.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
35 lenders closed FHA loans in Mount Sterling, Kentucky in 2025, led by Republic State Mortgage Company with 15. 19 lenders closed VA loans, led by Mortgage Research Center, and 9 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. 35 banks and 7 credit unions closed home loans in Mount Sterling, Kentucky in 2025, alongside 51 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 Mount Sterling, 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 Mount Sterling, 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 Mount Sterling. 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.
