Mortgage Lenders and Brokers in Oak Grove, 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
Oak Grove, Kentucky mortgage lenders include South Central Bank IncSouth Central Bank Inc3505 Louisville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.83%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, Bank of America NABank of America NA520 W New Circle Rd, Lexington, KY 40511A+5.0 ★Texas Ratio: 4.14%, Planters Bank, Inc.Planters Bank, Inc.50 Oak Hts, Dawson Springs, KY 42408A+5.0 ★Texas Ratio: 4.72%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, United Southern BankUnited Southern BankHighway 181, Clifty, KY 42216, Truist BankTruist Bank2750 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.87%, Stockton Mortgage CorporationStockton Mortgage CorporationFrankfort, KY, Mortgage Research Center, and Guaranteed Rate, Inc.. 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 Oak Grove, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Grove 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 Oak Grove, Kentucky
Market share is the lender's share of all home loans closed in Oak Grove, 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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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
VA | 1 | 0.5% | 100% | $235,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.5% | 100% | $185,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.5% | 100% | $215,000 | View |
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50 Oak Hts, Dawson Springs, KY 42408 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional | 1 | 0.5% | 100% | $145,000 | |
United Southern Bank
Highway 181, Clifty, KY 42216 |
Conventional | 1 | 0.5% | 100% | $165,000 | |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
VA | 1 | 0.5% | 100% | $55,000 | View |
Stockton Mortgage Corporation
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VA | 2 | 1% | 100% | $250,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 52 | 25.2% | 80% | $231,538 | |
Guaranteed Rate, Inc.
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FHA, VA | 17 | 8.3% | 100% | $226,176 | |
United Wholesale Mortgage
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FHA, VA | 16 | 7.8% | 85.7% | $228,125 | |
New American Funding, LLC.
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Conventional, FHA, VA | 11 | 5.3% | 84.6% | $153,181 | |
Rocket Mortgage
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Conventional, FHA, VA | 9 | 4.4% | 75% | $169,444 | |
Freedom Mortgage Corporation
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Conventional, VA | 7 | 3.4% | 100% | $203,571 | |
Pennymac Loan Services LLC
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Conventional, VA | 7 | 3.4% | 88.9% | $157,857 | |
Legacy Home Loans, LLC
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VA | 7 | 3.4% | 87.5% | $223,571 | |
Southwest Funding LP
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VA | 7 | 3.4% | 87.5% | $230,714 | |
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A5.0 ★Texas Ratio: 8.14% |
VA, HELOC | 6 +1 HELOCs |
2.9% | 75% | $221,666 | |
Gershman Investment Corp.
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Conventional, FHA, VA | 6 | 2.9% | 85.7% | $188,333 | |
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A+5.0 ★Texas Ratio: 3.76% |
Conventional, VA, HELOC | 4 +7 HELOCs |
1.9% | 57.1% | $122,500 | |
Planet Home Lending, LLC
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FHA, VA | 4 | 1.9% | 100% | $225,000 | |
Newrez LLC
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Conventional, VA | 3 | 1.5% | 60% | $205,000 | |
CrossCountry Mortgage, LLC
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VA | 3 | 1.5% | 100% | $255,000 | |
New Day Financial, LLC.
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VA | 3 | 1.5% | 42.9% | $211,666 | |
American Financial Resources LLC
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VA | 2 | 1% | 100% | $190,000 | |
Primelending
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Conventional, FHA | 2 | 1% | 100% | $100,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1% | 66.7% | $100,000 | |
ClearPath Lending
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VA | 2 | 1% | 100% | $190,000 | |
Union Home Mortgage Corp.
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VA | 2 | 1% | 100% | $260,000 | |
Pentagon Federal Credit Union
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VA | 2 | 1% | 100% | $205,000 | |
Mutual of Omaha Mortgage
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VA | 2 | 1% | 100% | $200,000 | |
HomeBridge Financial Services, Inc
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VA, HELOC | 1 +1 HELOCs |
0.5% | 33.3% | $295,000 | |
First Community Mortgage, Inc.
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VA | 1 | 0.5% | 100% | $225,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $55,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.5% | 100% | $225,000 | View |
SWBC Mortgage Corporation
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VA | 1 | 0.5% | 100% | $225,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.5% | 100% | $155,000 | |
Kind Lending, LLC
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VA | 1 | 0.5% | 100% | $185,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.5% | 100% | $45,000 | |
Synergy One Lending, Inc.
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VA | 1 | 0.5% | 100% | $245,000 | |
Ocmbc, Inc.
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VA | 1 | 0.5% | 100% | $255,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Intercoastal Mortgage, LLC
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VA | 1 | 0.5% | 100% | $215,000 | |
Zillow Home Loans, LLC
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VA | 1 | 0.5% | 100% | $185,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.5% | 100% | $155,000 | View |
Fairway Independent Mort Corp
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VA | 1 | 0.5% | 100% | $275,000 | |
Paramount Residential Mortgage
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VA | 1 | 0.5% | 100% | $235,000 | |
Carrington Mortgage Services LLC
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VA | 1 | 0.5% | 33.3% | $215,000 | |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.5% | 100% | $255,000 | View |
Goprime Mortgage, Inc.
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VA | 1 | 0.5% | 100% | $225,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.5% | 100% | $205,000 | |
Village Capital & Investment
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VA | 1 | 0.5% | 66.7% | $265,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oak Grove 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 Oak Grove, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Oak Grove? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Grove in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Grove, KY
Use these to narrow the list above. Each category shows how many Oak Grove, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Grove, KY
Independent mortgage companies closed 87.9 percent of home loans in Oak Grove, Kentucky in 2025, banks 5.8 percent and credit unions 6.3 percent. Stockton Mortgage Corporation was the largest mortgage company, South Central Bank Inc the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, South Central Bank Inc 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 Oak Grove, KY
By home loans closed in 2025, South Central Bank Inc was the largest mortgage lender in Oak Grove, Kentucky with 1 loans, about 0.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Oak Grove, Kentucky, Mortgage Research Center approved the highest share of completed applications in 2025 at 80 percent, against a 83.5 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.
11 lenders closed FHA loans in Oak Grove, Kentucky in 2025, led by Guaranteed Rate, Inc. with 4. 39 lenders closed VA loans, led by Mortgage Research Center. 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. 11 banks and 4 credit unions closed home loans in Oak Grove, Kentucky in 2025, alongside 38 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 Oak Grove, 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 Oak Grove, 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 Oak Grove. 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.
