Mortgage Lenders and Brokers in Paducah, 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
Paducah, Kentucky mortgage lenders include The Paducah Bank and Trust CompanyThe Paducah Bank and Trust Company2401 Broadway St, Paducah, KY 42001A+5.0 ★Texas Ratio: 1.48%, Community Financial Services BankCommunity Financial Services Bank2550 Irvin Cobb Dr, Paducah, KY 42003A+5.0 ★Texas Ratio: 3.65%, Regions BankRegions Bank4111 Clarks River Rd, Paducah, KY 42003A+5.0 ★Texas Ratio: 4.37%, US Bank, N.A.US Bank, N.A.5531 Reidland Rd, Paducah, KY 42003A+5.0 ★Texas Ratio: 2.85%, Independence Bank of KentuckyIndependence Bank of Kentucky3312 Lone Oak Rd, Paducah, KY 42003A+5.0 ★Texas Ratio: 0.79%, Banterra BankBanterra Bank3151 Parisa Dr, Paducah, KY 42003A4.7 ★Texas Ratio: 4.32%, Truist BankTruist Bank5195 Hinkleville Rd, Paducah, KY 42001A+5.0 ★Texas Ratio: 2.87%, FNB Bank IncFNB Bank Inc3445 Lone Oak Rd, Paducah, KY 42003, Citizens Deposit BankCitizens Deposit Bank1 Walnut St, Arlington, KY 42021A+5.0 ★Texas Ratio: 5.67%, and Old National BankOld National Bank301 S 2nd St, Central City, KY 42330A+5.0 ★Texas Ratio: 4.98%. 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 Paducah, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Paducah 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 Paducah, Kentucky
Market share is the lender's share of all home loans closed in Paducah, 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 Paducah 2401 Broadway St, Paducah, KY 42001 A+5.0 ★Texas Ratio: 1.48% |
Conventional | 82 | 15.5% | 91.3% | $210,731 | View |
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2 offices in Paducah 2550 Irvin Cobb Dr, Paducah, KY 42003 A+5.0 ★Texas Ratio: 3.65% |
Conventional, Jumbo | 32 | 6% | 86.4% | $285,312 | View |
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4 offices in Paducah 4111 Clarks River Rd, Paducah, KY 42003 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, VA, HELOC | 26 +14 HELOCs |
4.9% | 82.4% | $128,076 | View |
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4 offices in Paducah 5531 Reidland Rd, Paducah, KY 42003 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 21 +17 HELOCs |
4% | 63.6% | $162,619 | View |
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3 offices in Paducah 3312 Lone Oak Rd, Paducah, KY 42003 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 14 +27 HELOCs |
2.6% | 82.4% | $212,857 | View |
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2 offices in Paducah 3151 Parisa Dr, Paducah, KY 42003 A4.7 ★Texas Ratio: 4.32% |
Conventional | 5 | 0.9% | 100% | $379,000 | View |
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★ 1 stars, 1 review 1 office in Paducah 5195 Hinkleville Rd, Paducah, KY 42001 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 4 +6 HELOCs |
0.8% | 100% | $257,500 | View |
FNB Bank Inc
3445 Lone Oak Rd, Paducah, KY 42003 |
Conventional | 18 | 3.4% | 81.8% | $141,666 | |
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1 Walnut St, Arlington, KY 42021 A+5.0 ★Texas Ratio: 5.67% |
Conventional, Jumbo | 13 | 2.5% | 100% | $306,538 | View |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional, FHA, VA, HELOC | 12 +1 HELOCs |
2.3% | 85.7% | $330,833 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
FHA, VA, USDA | 7 | 1.3% | 77.8% | $163,571 | View |
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114 E Jackson St, Clinton, KY 42031 A5.0 ★Texas Ratio: 7.92% |
Conventional | 6 | 1.1% | 87.5% | $98,333 | View |
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2009 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 2 | 0.4% | 100% | $265,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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400 Us Highway 51 N, Bardwell, KY 42023 A+5.0 ★Texas Ratio: 2.02% |
Conventional | 1 | 0.2% | 66.7% | $155,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.2% | 50% | $225,000 | 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, VA | 19 | 3.6% | 95% | $188,157 | |
Gershman Investment Corp.
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Conventional, FHA, VA | 41 | 7.7% | 95.3% | $154,512 | |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 5.8% | 79.1% | $167,903 | |
Everett Financial, Inc.
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Conventional, FHA, VA | 22 | 4.2% | 88% | $181,818 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 16 | 3% | 81.8% | $213,125 | |
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A+5.0 ★Texas Ratio: 5.55% |
Conventional | 15 | 2.8% | 93.8% | $215,666 | View |
Freedom Mortgage Corporation
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FHA, VA | 11 | 2.1% | 85.7% | $220,454 | |
Mortgage Research Center
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Conventional, VA | 10 | 1.9% | 50% | $253,000 | |
Synergy One Lending, Inc.
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Conventional, FHA | 6 | 1.1% | 100% | $135,000 | |
FirstTrust Home Loans
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Conventional, FHA | 6 | 1.1% | 100% | $150,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 6 | 1.1% | 100% | $225,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
FHA, VA | 5 | 0.9% | 100% | $235,000 | View |
Pennymac Loan Services LLC
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Conventional, FHA, Jumbo | 4 | 0.8% | 40% | $397,500 | |
Guild Mortgage Company
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Conventional, FHA | 4 | 0.8% | 100% | $107,500 | |
New American Funding, LLC.
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Conventional, FHA, VA | 4 | 0.8% | 80% | $212,500 | |
Village Capital & Investment
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VA | 4 | 0.8% | 100% | $260,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.6% | 100% | $125,000 | |
Amerisave Mortgage Company
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Conventional, FHA, HELOC | 3 +1 HELOCs |
0.6% | 50% | $108,333 | |
Newrez LLC
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Conventional, FHA | 3 | 0.6% | 75% | $111,666 | |
loanDepot.com LLC
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Conventional, FHA, VA | 3 | 0.6% | 50% | $141,666 | |
Flat Branch Mortgage, Inc.
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FHA, VA | 3 | 0.6% | 100% | $158,333 | |
Atlantic Bay Mortgage Group
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Conventional, FHA | 3 | 0.6% | 100% | $135,000 | |
Nationstar Mortgage
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Conventional, FHA | 3 | 0.6% | 50% | $71,666 | |
Towne Mortgage Company
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Conventional, FHA | 3 | 0.6% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 3 | 0.6% | 60% | $125,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.6% | 9.5% | $125,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.4% | 100% | $135,000 | |
Lakeview Loan Servicing, LLC
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Conventional, VA | 2 | 0.4% | 100% | $160,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 0.4% | 100% | $135,000 | View |
Park Lane Finance SolutionsLLC
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Conventional | 2 | 0.4% | 57.1% | $60,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 0.4% | 100% | $170,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.4% | 100% | $180,000 | |
21St Mortgage
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Conventional | 2 | 0.4% | 16.7% | $135,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 2 | 0.4% | 100% | $100,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $105,000 | View |
EMM Loans LLC
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FHA | 1 | 0.2% | 100% | $145,000 | |
Ruoff Mortgage Company
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FHA | 1 | 0.2% | 100% | $155,000 | |
First Community Mortgage, Inc.
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USDA | 1 | 0.2% | 100% | $205,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.2% | 100% | $185,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo | 1 | 0.2% | 100% | $945,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $165,000 | |
Royal United Mortgage LLC
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FHA | 1 | 0.2% | 50% | $95,000 | |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.2% | 100% | $215,000 | View |
Countryplace Mortgage, Ltd.
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Conventional | 1 | 0.2% | 100% | $155,000 | |
NOVA Financial & Investment Corporation
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Conventional | 1 | 0.2% | 50% | $165,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.2% | 50% | $135,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $85,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.2% | 100% | $145,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 33.3% | $95,000 | |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.2% | 100% | $635,000 | |
American Financing Corporation
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FHA | 1 | 0.2% | 50% | $205,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $135,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 33.3% | $115,000 | |
Altra Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
T2 Financial LLC
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FHA | 1 | 0.2% | 100% | $265,000 | |
Hometown Equity Mortgage, LLC
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FHA | 1 | 0.2% | 50% | $155,000 | |
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A+5.0 ★Texas Ratio: 3.07% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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A+5.0 ★Texas Ratio: 3.45% |
Conventional | 1 | 0.2% | 100% | $365,000 | View |
Purdue Federal Cu
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Conventional | 1 | 0.2% | 100% | $115,000 | |
Lower, LLC
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Conventional | 1 | 0.2% | 50% | $215,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $225,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
VA | 1 | 0.2% | 100% | $135,000 | View |
Texana Bank
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 50% | $45,000 | |
Plaza Home Mortgage, Inc
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USDA | 1 | 0.2% | 100% | $275,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.2% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +6 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Genisys Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.11% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Paducah 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 Paducah, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Paducah? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Paducah in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Paducah, KY
Use these to narrow the list above. Each category shows how many Paducah, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Paducah, KY
Independent mortgage companies closed 45.1 percent of home loans in Paducah, Kentucky in 2025, banks 53.8 percent and credit unions 1.1 percent. Stockton Mortgage Corporation was the largest mortgage company, The Paducah Bank and Trust Company the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, The Paducah Bank and Trust Company led with 82 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 Paducah, KY
By home loans closed in 2025, The Paducah Bank and Trust Company was the largest mortgage lender in Paducah, Kentucky with 82 loans, about 15.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Paducah, Kentucky, The Paducah Bank and Trust Company approved the highest share of completed applications in 2025 at 91.3 percent, against a 77.6 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.
34 lenders closed FHA loans in Paducah, Kentucky in 2025, led by Gershman Investment Corp. with 19. 25 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 36 banks and 5 credit unions closed home loans in Paducah, Kentucky in 2025, alongside 51 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 Paducah, 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 Paducah, 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 Paducah. 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.
