Mortgage Lenders and Brokers in Owingsville, 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
Owingsville, Kentucky mortgage lenders include Peoples Bank of Kentucky, IncPeoples Bank of Kentucky, Inc43 Slate Ave, Owingsville, KY 40360B4.6 ★Texas Ratio: 20.37%, Community Trust Bank, Inc.Community Trust Bank, Inc.6424 Ky Route 1428, Allen, KY 41601A+5.0 ★Texas Ratio: 3.53%, Whitaker Bank IncWhitaker Bank Inc102 W Jefferson St, Berea, KY 40403A+5.0 ★Texas Ratio: 1.23%, Traditional Bank IncTraditional Bank Inc1140 Us 127 South, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.69%, Central Bank & Trust CoCentral Bank & Trust Co101 Brentwood Dr, Berea, KY 40403A+5.0 ★Texas Ratio: 1.26%, Peoples BankPeoples Bank6601 Us Route 60, Ashland, KY 41102A+5.0 ★Texas Ratio: 3.39%, Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, and Farm Credit Mid-America, AcaFarm Credit Mid-America, AcaLouisville, KY. 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 Owingsville, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Owingsville 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 Owingsville, Kentucky
Market share is the lender's share of all home loans closed in Owingsville, 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 Owingsville 43 Slate Ave, Owingsville, KY 40360 B4.6 ★Texas Ratio: 20.37% |
Conventional | 20 | 22% | 90.9% | $119,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 5 +1 HELOCs |
5.5% | 83.3% | $219,000 | View |
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102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 2 | 2.2% | 66.7% | $105,000 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional, HELOC | 1 +2 HELOCs |
1.1% | 50% | $75,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 1 +1 HELOCs |
1.1% | 100% | $95,000 | View |
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6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
FHA | 1 | 1.1% | 100% | $285,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
HELOC | 0 +3 HELOCs |
0% | n/a | ||
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Farm Credit Mid-America, Aca
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Conventional | 4 | 4.4% | 100% | $277,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 14 | 15.4% | 77.8% | $189,285 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 6 | 6.6% | 28.6% | $123,333 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 5 | 5.5% | 100% | $187,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 3 | 3.3% | 100% | $255,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 3.3% | 100% | $308,333 | |
Republic State Mortgage Company
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Conventional, FHA | 3 | 3.3% | 100% | $148,333 | |
Mortgage Research Center
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VA | 3 | 3.3% | 75% | $228,333 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 2.2% | 100% | $210,000 | |
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A5.0 ★Texas Ratio: 8.47% |
FHA, VA | 2 | 2.2% | 100% | $215,000 | View |
Mortgage Solutions of Colorado
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FHA | 2 | 2.2% | 100% | $155,000 | |
New American Funding, LLC.
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FHA | 2 | 2.2% | 100% | $135,000 | |
Everett Financial, Inc.
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FHA | 1 | 1.1% | 100% | $195,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.1% | 100% | $195,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1.1% | 100% | $145,000 | |
PHH Mortgage Corporation
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FHA | 1 | 1.1% | 100% | $125,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
USDA | 1 | 1.1% | 50% | $65,000 | View |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 1.1% | 100% | $215,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.1% | 100% | $45,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.1% | 100% | $115,000 | |
The Home Savings and Loan Company of Kenton, Ohio
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Conventional | 1 | 1.1% | 100% | $225,000 | |
Mortgage Investors Group
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FHA | 1 | 1.1% | 100% | $395,000 | |
Paramount Residential Mortgage
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FHA | 1 | 1.1% | 100% | $145,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1.1% | 50% | $95,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Owingsville 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 Owingsville, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Owingsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Owingsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Owingsville, KY
Use these to narrow the list above. Each category shows how many Owingsville, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Owingsville, KY
Independent mortgage companies closed 62.6 percent of home loans in Owingsville, Kentucky in 2025, banks 37.4 percent and credit unions 0 percent. Farm Credit Mid-America, Aca was the largest mortgage company, Peoples Bank of Kentucky, Inc the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Peoples Bank of Kentucky, Inc led with 20 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 Owingsville, KY
By home loans closed in 2025, Peoples Bank of Kentucky, Inc was the largest mortgage lender in Owingsville, Kentucky with 20 loans, about 22 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Owingsville, Kentucky in 2025, led by Rocket Mortgage with 7. 6 lenders closed VA loans, led by Rocket Mortgage, 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. 12 banks and 1 credit unions closed home loans in Owingsville, Kentucky in 2025, alongside 22 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 Owingsville, 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 Owingsville, 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 Owingsville. 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.
