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Mortgage Lenders and Brokers in Nicholasville, Kentucky

Content reviewed by

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

Nicholasville, Kentucky mortgage lenders include Farmers BankFarmers Bank200 N Main St, Nicholasville, KY 40356, Central Bank & Trust CoCentral Bank & Trust Co301 N Main St, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 1.26%, City National Bank of WVCity National Bank of WV714 S Main St, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 1.47%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA100 Rebel Rd, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 3.68%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company920 N Main St, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 1.99%, The Citizens National Bank of SomersetThe Citizens National Bank of Somerset601 Keene Centre Dr, Nicholasville, KY 40356B+3.9 ★Texas Ratio: 1.75%, Wesbanco Bank, Inc.Wesbanco Bank, Inc.Kroger Store Kimberly Square Shopping Center Us Hwy 27, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 3.87%, PNC Bank N.A.PNC Bank N.A.850 N Main St, Nicholasville, KY 40356A+5.0 ★Texas Ratio: 4.24%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, and Bank of LexingtonBank of Lexington6409 Polo Club Ln, Lexington, KY 40509A+5.0 ★Texas Ratio: 0.09%. 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 Nicholasville, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Nicholasville 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 Nicholasville, Kentucky

Market share is the lender's share of all home loans closed in Nicholasville, 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
Farmers Bank 200 N Main St, Nicholasville, KY 40356	Conventional	54	5.9%	96.7%	$209,444
Central Bank & Trust Co 2 offices in Nicholasville 301 N Main St, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 1.26%	Conventional, FHA, Jumbo, HELOC	31 +25 HELOCs	3.4%	94.1%	$545,967	View
City National Bank of WV 1 office in Nicholasville 714 S Main St, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 1.47%	Conventional, Jumbo, HELOC	19 +11 HELOCs	2.1%	87%	$349,736	View
JPMorgan Chase Bank, NA 1 office in Nicholasville 100 Rebel Rd, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA, HELOC	17 +5 HELOCs	1.8%	100%	$315,588	View
Stock Yards Bank & Trust Company 1 office in Nicholasville 920 N Main St, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 1.99%	Conventional, FHA, HELOC	14 +9 HELOCs	1.5%	93.3%	$250,000	View
The Citizens National Bank of Somerset 1 office in Nicholasville 601 Keene Centre Dr, Nicholasville, KY 40356 B+3.9 ★Texas Ratio: 1.75%	Conventional, Jumbo	13	1.4%	100%	$264,230	View
Wesbanco Bank, Inc. 1 office in Nicholasville Kroger Store Kimberly Square Shopping Center Us Hwy 27, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo, HELOC	11 +15 HELOCs	1.2%	91.7%	$431,363	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Nicholasville 850 N Main St, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	7 +19 HELOCs	0.8%	100%	$249,285	View
Guardian Savings Bank 7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35%	Conventional, FHA, Jumbo, HELOC	46 +7 HELOCs	5%	88.5%	$463,695	View
Bank of Lexington ★ 3.5 stars, 2 reviews 6409 Polo Club Ln, Lexington, KY 40509 A+5.0 ★Texas Ratio: 0.09%	Conventional, Jumbo	25	2.7%	100%	$385,800	View
Fifth Third Bank, National Association 6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22%	Conventional, FHA, Jumbo, HELOC	16 +23 HELOCs	1.7%	70.8%	$443,750	View
Commonwealth Federal Credit Union 1091 N Main St, Nicholasville, KY 40356	Conventional, HELOC	13 +27 HELOCs	1.4%	81.2%	$285,769
Republic Bank & Trust 119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91%	Conventional, FHA, Jumbo, HELOC	12 +7 HELOCs	1.3%	100%	$525,000	View
Old National Bank 301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98%	Conventional, FHA, Jumbo, HELOC	12 +1 HELOCs	1.3%	85.7%	$515,000	View
Community Trust Bank, Inc. 6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53%	Conventional, HELOC	10 +4 HELOCs	1.1%	76.9%	$382,000	View
Members Heritage CU 1039 N Main St, Nicholasville, KY 40356 2312 A+5.0 ★Texas Ratio: 4.52%	Conventional	10	1.1%	90.9%	$112,000	View
Bank of the Bluegrass & Trust Co. 215 Southland Dr, Lexington, KY 40503 A+5.0 ★Texas Ratio: 0.25%	Conventional, Jumbo	8	0.9%	90%	$720,000	View
US Bank, N.A. 7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, HELOC	7 +3 HELOCs	0.8%	58.3%	$240,714	View
Traditional Bank Inc 1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69%	Conventional, Jumbo, HELOC	6 +7 HELOCs	0.7%	85.7%	$386,666	View
First Southern National Bank 204 Fairfield Dr, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 3.45%	Conventional, Jumbo, HELOC	6 +1 HELOCs	0.7%	100%	$598,333	View
The Health and Education Federal Credit Union 424 Park Pl, Lexington, KY 40511 1829 A+5.0 ★Texas Ratio: 0.46%	Conventional	6	0.7%	100%	$103,333	View
Whitaker Bank Inc 102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23%	Conventional	5	0.5%	83.3%	$251,000	View
South Central Bank Inc 3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83%	Conventional, VA	4	0.4%	83.3%	$320,000	View
Magnolia Bank 651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97%	Conventional, FHA, USDA	4	0.4%	100%	$230,000	View
Truist Bank ★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	3 +6 HELOCs	0.3%	100%	$521,666	View
Huntington National Bank 2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.3%	100%	$578,333	View
Liberty Federal Credit Union 544 Lovers Ln, Bowling Green, KY 42103	Conventional, FHA, Jumbo	3	0.3%	100%	$755,000
Independence Bank of Kentucky 1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$460,000	View
Bank of America NA 520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$490,000	View
Peoples Exchange Bank Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13%	USDA	2	0.2%	100%	$195,000	View
Monticello Banking Company ★ 5 stars, 1 review 104 Springdale Dr, Nicholasville, KY 40356 A+5.0 ★Texas Ratio: 0.91%	Conventional, Jumbo	1	0.1%	100%	$1,445,000	View
L&N Federal Credit Union 1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91%	Conventional	1	0.1%	100%	$165,000	View
Meade County Bank ★ 5 stars, 1 review 2175 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.59%	Conventional	1	0.1%	100%	$365,000	View
American Bank & Trust Company Inc. 531 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 10.95%	Conventional, Jumbo	1	0.1%	100%	$19,005,000	View
First Financial Bank Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21%	Conventional	1	0.1%	100%	$65,000	View
German American Bank 1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93%	HELOC	0 +1 HELOCs	0%	n/a		View
The Cecilian Bank 302 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.60%	HELOC	0 +1 HELOCs	0%	n/a		View
Peoples Bank 6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39%	HELOC	0 +1 HELOCs	0%	n/a		View
Stockton Mortgage Corporation	Conventional, FHA, VA, USDA, Jumbo	48	5.2%	96.1%	$354,166
University of Ky FCU	Conventional, HELOC	14 +132 HELOCs	1.5%	76.2%	$210,000
Farm Credit Mid-America, Aca	Conventional, Jumbo	3	0.3%	75%	$848,333
Central Kentucky Agricultural	Conventional	2	0.2%	100%	$310,000
Field & Main Bank	Conventional	2	0.2%	100%	$550,000
Park Community Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo	82	8.9%	90.3%	$235,731
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA, USDA	37	4%	97.4%	$260,135
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	36 +2 HELOCs	3.9%	87.8%	$349,722
New American Funding, LLC.	Conventional, FHA, VA	22	2.4%	91.7%	$313,636
Freedom Mortgage Corporation	Conventional, FHA, VA	18	2%	88%	$320,555
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA, USDA	17	1.8%	100%	$256,764	View
T2 Financial LLC	Conventional, FHA, VA, USDA	15	1.6%	89.5%	$225,000
Mortgage Research Center	VA	14	1.5%	65.2%	$282,142
Pennymac Loan Services LLC	Conventional, FHA, VA	11	1.2%	72.2%	$177,727
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	11	1.2%	91.7%	$293,181	View
Lower, LLC	Conventional, FHA, VA, Jumbo	9	1%	90%	$418,333
loanDepot.com LLC	Conventional, VA	8	0.9%	100%	$272,500
Newrez LLC	Conventional, FHA, VA	7	0.8%	77.8%	$207,857
Acrisure Mortgage, LLC	Conventional, FHA, VA	7	0.8%	87.5%	$336,428
Ruoff Mortgage Company	Conventional, VA	6	0.7%	100%	$263,333
Amerisave Mortgage Company	Conventional	6	0.7%	35.3%	$43,333
Nationstar Mortgage	Conventional, FHA	6	0.7%	87.5%	$203,333
Lakeview Loan Servicing, LLC	Conventional	5	0.5%	70%	$163,000
Union Home Mortgage Corp.	Conventional, FHA, USDA	5	0.5%	71.4%	$241,000
Geneva Financial LLC	FHA, USDA	5	0.5%	100%	$307,000
Provident Funding Associates	Conventional	5	0.5%	100%	$289,000
Carrington Mortgage Services LLC	FHA	5	0.5%	71.4%	$183,000
Everett Financial, Inc.	Conventional, FHA	4	0.4%	100%	$180,000
Kind Lending, LLC	Conventional, FHA, VA	4	0.4%	100%	$220,000
Movement Mortgage, LLC	Conventional, FHA, VA	4	0.4%	66.7%	$195,000
Das Acquisition Company, LLC	Conventional, VA, USDA	4	0.4%	100%	$260,000
New Day Financial, LLC.	VA	4	0.4%	50%	$222,500
Prosperity Home Mortgage, LLC	Conventional	4	0.4%	57.1%	$225,000
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.4%	23.8%	$190,000
Goprime Mortgage, Inc.	Conventional, FHA	4	0.4%	100%	$295,000
SWBC Mortgage Corporation	Conventional, FHA	3	0.3%	75%	$265,000
Discover Bank	Conventional	3	0.3%	42.9%	$78,333
Bay Equity LLC	Conventional, FHA	3	0.3%	100%	$128,333
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	3	0.3%	100%	$778,333	View
Pike Creek Mortgage Services, Inc.	Conventional, FHA, USDA	3	0.3%	100%	$248,333
Endeavor Capital, LLC	Conventional, FHA	3	0.3%	100%	$245,000
Mutual of Omaha Mortgage	Conventional, VA	3	0.3%	60%	$228,333
Mortgage Investors Group	Conventional	3	0.3%	100%	$315,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	3	0.3%	100%	$355,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	3	0.3%	100%	$465,000	View
Spring Eq, LLC	Conventional, HELOC	2 +2 HELOCs	0.2%	40%	$40,000
Better Mortgage Corporation	Conventional, HELOC	2 +1 HELOCs	0.2%	100%	$395,000
Panorama Mortgage Group, LLC	Conventional, FHA	2	0.2%	100%	$80,000
Primelending	Conventional	2	0.2%	100%	$220,000
Envoy Mortgage, Ltd	Conventional	2	0.2%	100%	$260,000
Nbkc Bank	Conventional, VA	2	0.2%	100%	$295,000
Republic State Mortgage Company	FHA	2	0.2%	100%	$340,000
Nfm, Inc	Conventional	2	0.2%	100%	$220,000
Planet Home Lending, LLC	FHA, VA	2	0.2%	66.7%	$405,000
Mortgage Equity Partners LLC	Conventional, FHA	2	0.2%	100%	$135,000
Union Savings Bank	Conventional	2	0.2%	100%	$610,000
Genway Home Mortgage, Inc.	Conventional, FHA	2	0.2%	100%	$210,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	2	0.2%	66.7%	$145,000	View
CrossCountry Mortgage, LLC	FHA, HELOC	1 +1 HELOCs	0.1%	50%	$165,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, HELOC	1 +1 HELOCs	0.1%	50%	$395,000	View
First Commonwealth Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$335,000	View
EMM Loans LLC	FHA	1	0.1%	100%	$175,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.1%	100%	$455,000	View
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	Conventional	1	0.1%	100%	$195,000	View
American Financial Resources LLC	FHA	1	0.1%	100%	$185,000
Royal United Mortgage LLC	VA	1	0.1%	100%	$265,000
Equity Prime Mortgage LLC	FHA	1	0.1%	100%	$275,000
AmeriHome Mortgage Company, LLC	FHA	1	0.1%	100%	$235,000
Dart Bank	FHA	1	0.1%	100%	$285,000
Guild Mortgage Company	USDA	1	0.1%	100%	$295,000
AdvantageFirst Lending Inc	FHA	1	0.1%	100%	$225,000
General Mortgage Capital Corporation	Conventional	1	0.1%	100%	$125,000
AmWest Funding Corp	Conventional, Jumbo	1	0.1%	100%	$1,055,000
HomeXpress Mortgage Corp.	Conventional	1	0.1%	100%	$165,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$755,000	View
Success Mortgage Partners, Inc	FHA	1	0.1%	100%	$405,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	1	0.1%	100%	$315,000
Y-12 Federal Credit Union A+5.0 ★Texas Ratio: 3.67%	Conventional	1	0.1%	100%	$285,000
Click n' Close, Inc.	Conventional	1	0.1%	100%	$445,000
American Financing Corporation	Conventional	1	0.1%	66.7%	$245,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	50%	$385,000	View
Transportation Federal Credit Union	Conventional	1	0.1%	100%	$85,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	1	0.1%	100%	$455,000	View
Community Banc Mortgage Corp	Conventional	1	0.1%	100%	$675,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	FHA	1	0.1%	100%	$355,000	View
Village Bank & Trust, N.A. A+5.0 ★Texas Ratio: 1.60%	Conventional, Jumbo	1	0.1%	100%	$1,145,000	View
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional, Jumbo	1	0.1%	100%	$1,225,000	View
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional	1	0.1%	100%	$265,000	View
Peoples Bank of Kankakee County B3.8 ★Texas Ratio: 2.49%	Conventional	1	0.1%	100%	$575,000	View
Uif Corporation	Conventional	1	0.1%	100%	$375,000
Logan Finance Corporation	Conventional	1	0.1%	100%	$165,000
The Loan Store, Inc	Conventional	1	0.1%	100%	$185,000
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$205,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0.1%	100%	$505,000	View
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0.1%	100%	$1,105,000	View
Cfbank NA ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$245,000	View
Florida Capital Bank, N.A	Conventional	1	0.1%	100%	$225,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$115,000	View
First National Bank of PA A+5.0 ★Texas Ratio: 1.62%	Conventional	1	0.1%	100%	$695,000	View
21St Mortgage	Conventional	1	0.1%	50%	$75,000
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	50%	$545,000
Horizon Bank A+5.0 ★Texas Ratio: 4.40%	Conventional, Jumbo	1	0.1%	100%	$1,045,000	View
Reliance First Capital, LLC	FHA	1	0.1%	100%	$95,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	USDA	1	0.1%	100%	$335,000	View
Texana Bank	FHA	1	0.1%	100%	$515,000
Civista Bank A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	1	0.1%	100%	$1,485,000	View
Quontic Bank C+4.1 ★Texas Ratio: 25.91%	Conventional	1	0.1%	100%	$375,000	View
Tomo Mortgage LLC	Conventional	1	0.1%	50%	$105,000
Cake Mortgage Corp.	Conventional, Jumbo	1	0.1%	100%	$3,955,000
Village Capital & Investment	VA	1	0.1%	100%	$575,000
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +7 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Valon Mortgage	HELOC	0 +1 HELOCs	0%	n/a
Pentagon Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +1 HELOCs	0%	n/a

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.

Nicholasville 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 Nicholasville, Kentucky

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

Types of Mortgage Lenders in Nicholasville, KY

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

Mortgage companies and brokers 74 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 69 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 12 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 53 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 26 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 12 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 30 lenders. Loans above the conforming limit for higher priced homes Local lenders based in KY 30 lenders headquartered in Kentucky, the closest thing to a mortgage lender near you

Who Lends in Nicholasville, KY

Independent mortgage companies closed 49.5 percent of home loans in Nicholasville, Kentucky in 2025, banks 44.9 percent and credit unions 5.6 percent. Stockton Mortgage Corporation was the largest mortgage company, Farmers Bank the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Farmers Bank led with 54 loans.

49.5%

Mortgage companies

44.9%

Banks

5.6%

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 Louisville 219 lenders Bowling Green 167 lenders Elizabethtown 134 lenders Georgetown 158 lenders Owensboro 115 lenders Richmond 143 lenders Florence 132 lenders Independence 129 lenders Hopkinsville 94 lenders Bardstown 127 lenders

Frequently Asked Questions About Mortgage Lenders in Nicholasville, KY

Who is the largest mortgage lender in Nicholasville, KY?

By home loans closed in 2025, Farmers Bank was the largest mortgage lender in Nicholasville, Kentucky with 54 loans, about 5.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

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

Among lenders with meaningful volume in Nicholasville, Kentucky, Farmers Bank approved the highest share of completed applications in 2025 at 96.7 percent, against a 86.3 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 Nicholasville, KY mortgage lenders offer FHA, VA and USDA loans?

53 lenders closed FHA loans in Nicholasville, Kentucky in 2025, led by Rocket Mortgage with 18. 26 lenders closed VA loans, led by Mortgage Research Center, and 12 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.

Are credit unions and local banks included in this Nicholasville, KY lender list?

Yes. 69 banks and 12 credit unions closed home loans in Nicholasville, Kentucky in 2025, alongside 74 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 Nicholasville, KY ranked on this page?

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