Mortgage Lenders and Brokers in Owensboro, 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
Owensboro, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.2701 New Hartford Rd, Owensboro, KY 42303A+5.0 ★Texas Ratio: 2.85%, Independence Bank of KentuckyIndependence Bank of Kentucky3228 Highway 54, Owensboro, KY 42303A+5.0 ★Texas Ratio: 0.79%, Old National BankOld National Bank123 W 4th St, Owensboro, KY 42303A+5.0 ★Texas Ratio: 4.98%, Fifth Third Bank, National AssociationFifth Third Bank, National Association3205 Frederica St, Owensboro, KY 42301A+5.0 ★Texas Ratio: 3.22%, South Central Bank IncSouth Central Bank Inc2715 Frederica St, Owensboro, KY 42301A+5.0 ★Texas Ratio: 2.83%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2938 Frederica St, Owensboro, KY 42301A+5.0 ★Texas Ratio: 3.68%, First United Bank & Trust CompanyFirst United Bank & Trust Company3012 W Parrish Ave, Owensboro, KY 42301B+4.1 ★Texas Ratio: 2.80%, German American BankGerman American Bank3560 Frederica St, Owensboro, KY 42301A+5.0 ★Texas Ratio: 1.93%, Truist BankTruist Bank100 W 3rd St, Owensboro, KY 42303A+5.0 ★Texas Ratio: 2.87%, and PNC Bank N.A.PNC Bank N.A.3013 Frederica St, Owensboro, KY 42301A+5.0 ★Texas Ratio: 4.24%. 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 Owensboro, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Owensboro 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 Owensboro, Kentucky
Market share is the lender's share of all home loans closed in Owensboro, 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 Owensboro 2701 New Hartford Rd, Owensboro, KY 42303 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 75 +30 HELOCs |
6.7% | 85.4% | $194,733 | View |
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2 offices in Owensboro 3228 Highway 54, Owensboro, KY 42303 A+5.0 ★Texas Ratio: 0.79% |
Conventional, Jumbo, HELOC | 43 +43 HELOCs |
3.9% | 95.6% | $206,860 | View |
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2 offices in Owensboro 123 W 4th St, Owensboro, KY 42303 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, VA, HELOC | 37 +16 HELOCs |
3.3% | 86% | $212,837 | View |
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2 offices in Owensboro 3205 Frederica St, Owensboro, KY 42301 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 18 +20 HELOCs |
1.6% | 90.5% | $151,666 | View |
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3 offices in Owensboro 2715 Frederica St, Owensboro, KY 42301 A+5.0 ★Texas Ratio: 2.83% |
Conventional, FHA, VA, HELOC | 14 +22 HELOCs |
1.3% | 83.3% | $196,428 | View |
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2 offices in Owensboro 2938 Frederica St, Owensboro, KY 42301 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 13 +2 HELOCs |
1.2% | 77.8% | $155,769 | View |
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2 offices in Owensboro 3012 W Parrish Ave, Owensboro, KY 42301 B+4.1 ★Texas Ratio: 2.80% |
Conventional, Jumbo | 10 | 0.9% | 100% | $332,000 | View |
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3 offices in Owensboro 3560 Frederica St, Owensboro, KY 42301 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, HELOC | 9 +48 HELOCs |
0.8% | 76.9% | $182,777 | View |
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★ 1 stars, 1 review 3 offices in Owensboro 100 W 3rd St, Owensboro, KY 42303 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, VA, Jumbo, HELOC | 8 +20 HELOCs |
0.7% | 100% | $291,250 | View |
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★ 1.7 stars, 3 reviews 1 office in Owensboro 3013 Frederica St, Owensboro, KY 42301 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 6 +10 HELOCs |
0.5% | 100% | $236,666 | View |
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2 offices in Owensboro 3500 Frederica St, Owensboro, KY 42301 A+5.0 ★Texas Ratio: 3.39% |
Conventional, HELOC | 2 +10 HELOCs |
0.2% | 66.7% | $160,000 | View |
Liberty Federal Credit Union
2820 N York St, Owensboro, KY 42301 3344 |
Conventional, FHA, VA, Jumbo, HELOC | 349 +87 HELOCs |
31.3% | 94.7% | $181,991 | |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, HELOC | 12 +1 HELOCs |
1.1% | 100% | $225,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
FHA, VA | 9 | 0.8% | 100% | $223,888 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.2% | 100% | $205,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $315,000 | View |
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360 E 8th Avenue, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
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3151 Parisa Dr, Paducah, KY 42003 A4.7 ★Texas Ratio: 4.32% |
Conventional | 1 | 0.1% | 100% | $195,000 | View |
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102 N Main St, Caneyville, KY 42721 A5.0 ★Texas Ratio: 7.79% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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2549 Regency Rd Ste 105, Lexington, KY 40503 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 1 | 0.1% | 100% | $395,000 | View |
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★ 5 stars, 1 review 2175 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.59% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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400 Us Highway 51 N, Bardwell, KY 42023 A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
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2555 Us 41 N, Henderson, KY 42420 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 0.1% | 100% | $585,000 | View |
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398 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 6.93% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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502 W Dixie Ave, Elizabethtown, KY 42701 A5.0 ★Texas Ratio: 9.97% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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2009 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 1 | 0.1% | 50% | $185,000 | View |
Field & Main Bank
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Conventional | 2 | 0.2% | 100% | $245,000 | |
University of Ky FCU
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $195,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $525,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Park Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, VA | 76 | 6.8% | 84.6% | $140,921 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 69 +3 HELOCs |
6.2% | 94.6% | $218,768 | |
Acrisure Mortgage, LLC
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Conventional, FHA, VA | 62 | 5.6% | 100% | $309,838 | |
New American Funding, LLC.
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Conventional, FHA, VA | 23 | 2.1% | 92% | $149,782 | |
Mortgage Research Center
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Conventional, FHA, VA | 21 | 1.9% | 71% | $220,238 | |
Churchill Mortgage Corporation
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Conventional, FHA, VA | 18 | 1.6% | 100% | $113,888 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 16 | 1.4% | 84.2% | $138,125 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional | 13 | 1.2% | 68.4% | $154,230 | View |
Freedom Mortgage Corporation
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FHA, VA | 12 | 1.1% | 83.3% | $233,333 | |
loanDepot.com LLC
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Conventional, FHA, VA | 11 | 1% | 55% | $152,272 | |
Nationstar Mortgage
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Conventional, FHA, VA | 11 | 1% | 73.3% | $164,090 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 10 | 0.9% | 71.4% | $143,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, VA | 7 | 0.6% | 100% | $330,714 | View |
Movement Mortgage, LLC
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Conventional, FHA | 7 | 0.6% | 100% | $153,571 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +1 HELOCs |
0.5% | 85.7% | $265,000 | |
Amerisave Mortgage Company
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Conventional, FHA | 6 | 0.5% | 27.3% | $98,333 | |
American Financial Resources LLC
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Conventional, FHA | 4 | 0.4% | 100% | $227,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 4 | 0.4% | 100% | $142,500 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, USDA | 4 | 0.4% | 100% | $142,500 | View |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 4 | 0.4% | 66.7% | $200,000 | View |
Newrez LLC
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Conventional, VA | 3 | 0.3% | 100% | $178,333 | |
Kind Lending, LLC
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Conventional, FHA, VA | 3 | 0.3% | 100% | $205,000 | |
Click n' Close, Inc.
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Conventional, FHA | 3 | 0.3% | 100% | $151,666 | |
Mortgage Masters of Indiana Inc
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Conventional, FHA | 3 | 0.3% | 100% | $258,333 | |
New Day Financial, LLC.
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VA | 3 | 0.3% | 37.5% | $175,000 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.3% | 75% | $185,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 3 | 0.3% | 75% | $155,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 3 | 0.3% | 21.4% | $171,666 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 3 | 0.3% | 100% | $228,333 | |
Interlinc Mortgage Services, LLC
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FHA | 2 | 0.2% | 100% | $255,000 | |
First Community Mortgage, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $270,000 | |
Guaranteed Rate, Inc.
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VA | 2 | 0.2% | 100% | $330,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.2% | 66.7% | $75,000 | |
Servion
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FHA, VA | 2 | 0.2% | 100% | $235,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.2% | 58.3% | $140,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA | 2 | 0.2% | 66.7% | $140,000 | |
Equity Prime Mortgage LLC
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FHA | 2 | 0.2% | 100% | $130,000 | |
PHH Mortgage Corporation
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FHA, VA | 2 | 0.2% | 100% | $215,000 | |
Cmg Mortgage Inc
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Conventional, FHA | 2 | 0.2% | 100% | $180,000 | |
Discover Bank
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Conventional | 2 | 0.2% | 22.2% | $65,000 | |
American Financing Corporation
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FHA | 2 | 0.2% | 60% | $185,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.2% | 66.7% | $310,000 | |
Cardinal Financial Company, Li
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Conventional | 2 | 0.2% | 66.7% | $155,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.2% | 40% | $360,000 | View |
Mortgage Solutions of Colorado
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VA | 2 | 0.2% | 100% | $235,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.2% | 66.7% | $175,000 | |
Lower, LLC
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Conventional | 2 | 0.2% | 100% | $110,000 | |
21St Mortgage
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Conventional | 2 | 0.2% | 25% | $110,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.2% | 100% | $255,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 0.2% | 66.7% | $205,000 | |
Gershman Investment Corp.
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Conventional, FHA | 2 | 0.2% | 100% | $230,000 | |
Leaderone Financial Corp.
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FHA | 2 | 0.2% | 100% | $165,000 | |
American Neighborhood Mortgage Acceptance Company
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FHA | 2 | 0.2% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.1% | 100% | $675,000 | View |
Ruoff Mortgage Company
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FHA | 1 | 0.1% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
CommonWealth One Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $55,000 | |
Everett Financial, Inc.
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FHA | 1 | 0.1% | 100% | $145,000 | |
ALCOVA Mortgage, LLC
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Conventional | 1 | 0.1% | 50% | $185,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.1% | 100% | $435,000 | View |
United Trust Bank
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VA | 1 | 0.1% | 100% | $745,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
HomeBridge Financial Services, Inc
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FHA | 1 | 0.1% | 100% | $225,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 50% | $55,000 | |
myCUmortgage
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FHA | 1 | 0.1% | 100% | $95,000 | |
SIRVA Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $265,000 | |
Weichert Financial Services
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Wright Patt Credit Union Inc
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VA | 1 | 0.1% | 100% | $305,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.1% | 50% | $85,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $155,000 | |
RoundPoint Mortgage Servicing LLC
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FHA | 1 | 0.1% | 100% | $185,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $265,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.1% | 100% | $285,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.1% | 100% | $395,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.1% | 100% | $185,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.1% | 33.3% | $35,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 100% | $135,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
The Loan Store, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Owensboro 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 Owensboro, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Owensboro? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Owensboro in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Owensboro, KY
Use these to narrow the list above. Each category shows how many Owensboro, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Owensboro, KY
Independent mortgage companies closed 39.4 percent of home loans in Owensboro, Kentucky in 2025, banks 25.8 percent and credit unions 34.8 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Independence Bank of Kentucky led with 43 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 Owensboro, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Owensboro, Kentucky with 75 loans, about 6.7 percent of the market. The largest lender headquartered in Kentucky was Independence Bank of Kentucky with 43 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Owensboro, Kentucky, Acrisure Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 86.1 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.
59 lenders closed FHA loans in Owensboro, Kentucky in 2025, led by Liberty Federal Credit Union with 95. 29 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 43 banks and 13 credit unions closed home loans in Owensboro, Kentucky in 2025, alongside 65 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 Owensboro, 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 Owensboro, 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 Owensboro. 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.
