Mortgage Lenders and Brokers in Owenton, 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
Owenton, Kentucky mortgage lenders include German American BankGerman American Bank127 N Thomas St, Owenton, KY 40359A+5.0 ★Texas Ratio: 1.93%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union660 Highway 127 S, Owenton, KY 40359 3076, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Forcht Bank, N.A.Forcht Bank, N.A.406 Knox St, Barbourville, KY 40906A+5.0 ★Texas Ratio: 0.45%, United Citizens Bank & Trust CompanyUnited Citizens Bank & Trust Company785 Highway 22 E, Owenton, KY 40359, First Financial BankFirst Financial BankLimaburg Road And Jones Circle, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.21%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Independence Bank of KentuckyIndependence Bank of Kentucky1950 Scottsville Rd, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 0.79%, and First National Bank of KentuckyFirst National Bank of Kentucky2639 Highway 227, Carrollton, KY 41008A+5.0 ★Texas Ratio: 5.94%. 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 Owenton, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Owenton 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 Owenton, Kentucky
Market share is the lender's share of all home loans closed in Owenton, 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 Owenton 127 N Thomas St, Owenton, KY 40359 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, HELOC | 5 +28 HELOCs |
3.9% | 83.3% | $195,000 | View |
Commonwealth Federal Credit Union
660 Highway 127 S, Owenton, KY 40359 3076 |
Conventional, HELOC | 11 +6 HELOCs |
8.6% | 70.6% | $120,454 | |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 2 +2 HELOCs |
1.6% | 100% | $200,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.6% | 100% | $200,000 | View |
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406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 2 | 1.6% | 100% | $300,000 | View |
United Citizens Bank & Trust Company
785 Highway 22 E, Owenton, KY 40359 |
Conventional | 2 | 1.6% | 100% | $105,000 | |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 2 | 1.6% | 100% | $90,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $105,000 | View |
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1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 0.8% | 100% | $205,000 | View |
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2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 1 | 0.8% | 100% | $235,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 1 | 0.8% | 100% | $245,000 | View |
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7593 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.8% | 50% | $105,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.8% | 100% | $395,000 | 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 | 0.8% | 100% | $215,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
VA | 1 | 0.8% | 100% | $115,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | 0% | 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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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 11 | 8.6% | 100% | $173,181 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 4 | 3.1% | 80% | $455,000 | |
University of Ky FCU
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA | 16 | 12.5% | 76.2% | $140,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 9 | 7% | 100% | $297,222 | |
Primelending
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Conventional, FHA, VA | 5 | 3.9% | 100% | $245,000 | |
Mortgage Research Center
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Conventional, VA | 5 | 3.9% | 83.3% | $197,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 5 | 3.9% | 55.6% | $171,000 | |
United Wholesale Mortgage
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Conventional, VA | 4 | 3.1% | 100% | $182,500 | |
Nfm, Inc
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Conventional, FHA | 3 | 2.3% | 100% | $205,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 1.6% | 100% | $400,000 | View |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1.6% | 40% | $95,000 | |
Success Mortgage Partners, Inc
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Conventional | 2 | 1.6% | 100% | $75,000 | |
Das Acquisition Company, LLC
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Conventional, FHA | 2 | 1.6% | 100% | $245,000 | |
Click n' Close, Inc.
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Conventional, FHA | 2 | 1.6% | 100% | $75,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1.6% | 100% | $120,000 | |
American Financial Resources LLC
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VA | 1 | 0.8% | 100% | $265,000 | |
Guaranteed Rate, Inc.
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USDA | 1 | 0.8% | 100% | $195,000 | |
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★ 5 stars, 1 review A5.0 ★Texas Ratio: 9.58% |
Conventional | 1 | 0.8% | 100% | $385,000 | View |
Lakeview Loan Servicing, LLC
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VA | 1 | 0.8% | 100% | $335,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 0.8% | 50% | $115,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.8% | 100% | $145,000 | |
Kind Lending, LLC
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FHA | 1 | 0.8% | 100% | $425,000 | |
Compeer Financial
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Conventional | 1 | 0.8% | 100% | $605,000 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.8% | 100% | $215,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $185,000 | |
New Day Financial, LLC.
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VA | 1 | 0.8% | 100% | $385,000 | |
Shoreham Bank
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FHA | 1 | 0.8% | 100% | $25,000 | |
T2 Financial LLC
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Conventional | 1 | 0.8% | 100% | $145,000 | |
Fay Servicing LLC
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FHA | 1 | 0.8% | 100% | $325,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $225,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.8% | 100% | $45,000 | |
Towne Mortgage Company
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FHA | 1 | 0.8% | 100% | $245,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.8% | 50% | $135,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.8% | 100% | $375,000 | View |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a |
Owenton 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 Owenton, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Owenton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Owenton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Owenton, KY
Use these to narrow the list above. Each category shows how many Owenton, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Owenton, KY
Independent mortgage companies closed 64.8 percent of home loans in Owenton, Kentucky in 2025, banks 25.8 percent and credit unions 9.4 percent. Stockton Mortgage Corporation was the largest mortgage company, German American Bank the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Commonwealth Federal Credit Union led with 11 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 Owenton, KY
By home loans closed in 2025, German American Bank was the largest mortgage lender in Owenton, Kentucky with 5 loans, about 3.9 percent of the market. The largest lender headquartered in Kentucky was Commonwealth Federal Credit Union with 11 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
18 lenders closed FHA loans in Owenton, Kentucky in 2025, led by Rocket Mortgage with 7. 9 lenders closed VA loans, led by Mortgage Research Center, and 2 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. 22 banks and 4 credit unions closed home loans in Owenton, Kentucky in 2025, alongside 30 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 Owenton, 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 Owenton, 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 Owenton. 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.
