Mortgage Lenders and Brokers in Richmond, 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
Richmond, Kentucky mortgage lenders include US Bank, N.A.US Bank, N.A.521 Lancaster Ave, Richmond, KY 40475A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association800 Eastern Byp, Richmond, KY 40475A+5.0 ★Texas Ratio: 3.22%, Central Bank & Trust CoCentral Bank & Trust Co350 W Main St, Richmond, KY 40475A+5.0 ★Texas Ratio: 1.26%, Community Trust Bank, Inc.Community Trust Bank, Inc.128 W Main St, Richmond, KY 40475A+5.0 ★Texas Ratio: 3.53%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company1001 Gibson Bay Dr, Richmond, KY 40475A+5.0 ★Texas Ratio: 1.99%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA405 Leighway Dr, Richmond, KY 40475A+5.0 ★Texas Ratio: 3.68%, Cumberland Valley National Bank & Trust CoCumberland Valley National Bank & Trust Co2110 Lexington Rd, Richmond, KY 40475A+5.0 ★Texas Ratio: 1.64%, PNC Bank N.A.PNC Bank N.A.520 Eastern Byp, Richmond, KY 40475A+5.0 ★Texas Ratio: 4.24%, The Citizens National Bank of SomersetThe Citizens National Bank of Somerset290 Cumberland Xing, Monticello, KY 42633B+3.9 ★Texas Ratio: 1.75%, and Whitaker Bank IncWhitaker Bank Inc1000 Brandy Ln, Richmond, KY 40475A+5.0 ★Texas Ratio: 1.23%. 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 Richmond, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richmond 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 Richmond, Kentucky
Market share is the lender's share of all home loans closed in Richmond, 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 Richmond 521 Lancaster Ave, Richmond, KY 40475 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, VA, HELOC | 39 +15 HELOCs |
3.7% | 83.3% | $204,743 | View |
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1 office in Richmond 800 Eastern Byp, Richmond, KY 40475 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA, HELOC | 20 +14 HELOCs |
1.9% | 87% | $160,000 | View |
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2 offices in Richmond 350 W Main St, Richmond, KY 40475 A+5.0 ★Texas Ratio: 1.26% |
Conventional, FHA, HELOC | 17 +14 HELOCs |
1.6% | 89.5% | $323,235 | View |
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2 offices in Richmond 128 W Main St, Richmond, KY 40475 A+5.0 ★Texas Ratio: 3.53% |
Conventional, Jumbo, HELOC | 14 +19 HELOCs |
1.3% | 77.8% | $334,285 | View |
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3 offices in Richmond 1001 Gibson Bay Dr, Richmond, KY 40475 A+5.0 ★Texas Ratio: 1.99% |
Conventional, FHA, VA, USDA, HELOC | 13 +15 HELOCs |
1.2% | 92.9% | $177,307 | View |
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1 office in Richmond 405 Leighway Dr, Richmond, KY 40475 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, VA | 12 | 1.1% | 92.3% | $180,000 | View |
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2 offices in Richmond 2110 Lexington Rd, Richmond, KY 40475 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 10 | 1% | 100% | $203,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Richmond 520 Eastern Byp, Richmond, KY 40475 A+5.0 ★Texas Ratio: 4.24% |
Conventional, FHA, VA, HELOC | 7 +16 HELOCs |
0.7% | 87.5% | $222,142 | View |
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1 office in Richmond 290 Cumberland Xing, Monticello, KY 42633 B+3.9 ★Texas Ratio: 1.75% |
Conventional | 1 | 0.1% | 100% | $255,000 | View |
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1000 Brandy Ln, Richmond, KY 40475 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 38 | 3.6% | 97.4% | $148,157 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, HELOC | 20 +2 HELOCs |
1.9% | 90.9% | $290,000 | View |
Commonwealth Federal Credit Union
108 Meridian Way, Richmond, KY 40475 |
Conventional, HELOC | 16 +28 HELOCs |
1.5% | 84.2% | $158,125 | |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 10 +1 HELOCs |
1% | 100% | $235,000 | View |
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3301 Leestown Rd, Lexington, KY 40511 8702 A+5.0 ★Texas Ratio: 4.52% |
Conventional, FHA | 9 | 0.9% | 100% | $168,333 | View |
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9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47% |
Conventional, HELOC | 7 +1 HELOCs |
0.7% | 80% | $369,285 | View |
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215 Southland Dr, Lexington, KY 40503 A+5.0 ★Texas Ratio: 0.25% |
Conventional | 6 | 0.6% | 100% | $285,000 | View |
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★ 3.5 stars, 2 reviews 6409 Polo Club Ln, Lexington, KY 40509 A+5.0 ★Texas Ratio: 0.09% |
Conventional | 5 | 0.5% | 87.5% | $235,000 | View |
Farmers Bank
200 N Main St, Nicholasville, KY 40356 |
Conventional | 5 | 0.5% | 100% | $275,000 | |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA | 5 | 0.5% | 100% | $257,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 4 +4 HELOCs |
0.4% | 80% | $292,500 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 4 +1 HELOCs |
0.4% | 100% | $330,000 | View |
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894 Richmond Plz, Richmond, KY 40475 A+5.0 ★Texas Ratio: 3.45% |
Conventional, HELOC | 3 +4 HELOCs |
0.3% | 100% | $331,666 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
0.3% | 75% | $288,333 | View |
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1315 CANNONSBURG RD, ASHLAND, KY 41102 A+5.0 ★Texas Ratio: 5.97% |
Conventional | 3 | 0.3% | 100% | $148,333 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional | 3 | 0.3% | 100% | $188,333 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
FHA, VA, HELOC | 2 +2 HELOCs |
0.2% | 100% | $315,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 2 | 0.2% | 100% | $200,000 | |
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101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62% |
Conventional, FHA | 2 | 0.2% | 100% | $210,000 | View |
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★ 5 stars, 1 review 275 E Main St, Richmond, KY 40475 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 2 | 0.2% | 66.7% | $280,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
FHA, HELOC | 1 +3 HELOCs |
0.1% | 100% | $335,000 | View |
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185 Finance St, Harlan, KY 40831 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.1% | 100% | $315,000 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
FHA | 1 | 0.1% | 100% | $265,000 | View |
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507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.1% | 100% | $35,000 | View |
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Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13% |
FHA | 1 | 0.1% | 100% | $195,000 | View |
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2140 Lantern Ridge Dr, Richmond, KY 40475 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 0.1% | 100% | $345,000 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional, FHA, VA, USDA | 33 | 3.1% | 89.2% | $260,151 | |
University of Ky FCU
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Conventional, HELOC | 8 +44 HELOCs |
0.8% | 61.5% | $170,000 | |
Park Community Credit Union
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Conventional, HELOC | 8 +11 HELOCs |
0.8% | 88.9% | $228,750 | |
Field & Main Bank
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Victory Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $365,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA, USDA | 109 | 10.4% | 97.3% | $225,642 | |
T2 Financial LLC
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Conventional, FHA, VA, USDA | 92 | 8.8% | 97.1% | $272,065 | |
Rocket Mortgage
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Conventional, FHA, VA | 80 | 7.6% | 78.9% | $203,625 | |
Mortgage Research Center
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Conventional, FHA, VA | 39 | 3.7% | 81.6% | $280,641 | |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 35 +1 HELOCs |
3.3% | 90.5% | $274,428 | |
New American Funding, LLC.
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Conventional, FHA, VA, USDA | 30 | 2.9% | 93.8% | $222,000 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 28 | 2.7% | 92.1% | $268,928 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 15 | 1.4% | 100% | $263,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, VA | 15 | 1.4% | 100% | $295,666 | View |
DHI Mortgage Company, LTD.
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Conventional, FHA | 14 | 1.3% | 100% | $287,857 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 11 | 1% | 73.3% | $273,181 | |
Geneva Financial LLC
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Conventional, FHA | 11 | 1% | 100% | $215,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 10 | 1% | 83.3% | $328,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 9 +1 HELOCs |
0.9% | 100% | $246,111 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, USDA | 9 | 0.9% | 100% | $292,777 | View |
Lower, LLC
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Conventional, FHA, VA | 9 | 0.9% | 100% | $306,111 | |
Newrez LLC
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Conventional, FHA, VA | 8 | 0.8% | 88.9% | $213,750 | |
loanDepot.com LLC
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Conventional, FHA, VA | 8 | 0.8% | 57.1% | $195,000 | |
Nationstar Mortgage
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Conventional, FHA, VA | 8 | 0.8% | 100% | $188,750 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 8 | 0.8% | 100% | $210,000 | |
Das Acquisition Company, LLC
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Conventional, FHA, VA, USDA | 6 | 0.6% | 100% | $283,333 | |
Union Home Mortgage Corp.
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Conventional, VA, USDA | 6 | 0.6% | 100% | $245,000 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 6 | 0.6% | 85.7% | $288,333 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 6 | 0.6% | 85.7% | $196,666 | View |
Goprime Mortgage, Inc.
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FHA, VA, USDA | 6 | 0.6% | 100% | $251,666 | |
Republic State Mortgage Company
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Conventional, VA | 5 | 0.5% | 100% | $239,000 | |
American Financial Resources LLC
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Conventional, FHA, VA | 4 | 0.4% | 100% | $327,500 | |
New Day Financial, LLC.
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VA | 4 | 0.4% | 40% | $335,000 | |
Plaza Home Mortgage, Inc
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FHA, VA | 4 | 0.4% | 100% | $302,500 | |
Village Capital & Investment
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VA | 4 | 0.4% | 100% | $390,000 | |
Polaris Home Funding Corp.
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Conventional, FHA | 3 | 0.3% | 100% | $241,666 | |
Primelending
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Conventional, FHA | 3 | 0.3% | 100% | $335,000 | |
Kind Lending, LLC
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Conventional, USDA | 3 | 0.3% | 75% | $231,666 | |
Cmg Mortgage Inc
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Conventional, FHA | 3 | 0.3% | 100% | $318,333 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, VA | 3 | 0.3% | 100% | $185,000 | View |
Provident Funding Associates
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Conventional | 3 | 0.3% | 100% | $298,333 | |
Mutual of Omaha Mortgage
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FHA, VA | 3 | 0.3% | 66.7% | $241,666 | |
Mortgage Investors Group
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FHA | 3 | 0.3% | 100% | $291,666 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 3 | 0.3% | 75% | $285,000 | |
Carrington Mortgage Services LLC
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FHA | 3 | 0.3% | 44.4% | $248,333 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA, HELOC | 2 +5 HELOCs |
0.2% | 100% | $550,000 | View |
Ruoff Mortgage Company
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Conventional | 2 | 0.2% | 100% | $240,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.2% | 100% | $205,000 | |
Everett Financial, Inc.
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Conventional | 2 | 0.2% | 100% | $245,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 2 | 0.2% | 40% | $40,000 | |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 0.2% | 100% | $275,000 | |
Envoy Mortgage, Ltd
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Conventional, VA | 2 | 0.2% | 100% | $315,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 2 | 0.2% | 66.7% | $240,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.2% | 100% | $270,000 | |
Guild Mortgage Company
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Conventional, FHA | 2 | 0.2% | 100% | $110,000 | |
AdvantageFirst Lending Inc
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FHA | 2 | 0.2% | 100% | $255,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.2% | 100% | $205,000 | |
Click n' Close, Inc.
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FHA, VA | 2 | 0.2% | 100% | $245,000 | |
Bay Equity LLC
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Conventional | 2 | 0.2% | 100% | $210,000 | |
The Mortgage Firm
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FHA | 2 | 0.2% | 100% | $270,000 | |
The Home Savings and Loan Company of Kenton, Ohio
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Conventional, Jumbo | 2 | 0.2% | 66.7% | $835,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.2% | 100% | $445,000 | View |
21St Mortgage
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Conventional | 2 | 0.2% | 12.5% | $55,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 100% | $65,000 | View |
EMM Loans LLC
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VA | 1 | 0.1% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.1% | 100% | $255,000 | View |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.1% | 100% | $225,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.1% | 50% | $275,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.1% | 100% | $175,000 | |
SWBC Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $235,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.1% | 100% | $205,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.1% | 100% | $405,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.1% | 33.3% | $295,000 | View |
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A+5.0 ★Texas Ratio: 5.29% |
Conventional | 1 | 0.1% | 100% | $215,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $225,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.1% | 12.5% | $25,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 0.1% | 100% | $455,000 | View |
Homestead Funding Corp.
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Conventional | 1 | 0.1% | 100% | $415,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.1% | 100% | $325,000 | |
City 1st Mortgage Services, LC
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VA | 1 | 0.1% | 100% | $285,000 | |
Publix Employees Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Premier Lending Inc.
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Conventional | 1 | 0.1% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $735,000 | View |
Churchill Mortgage Corporation
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VA | 1 | 0.1% | 100% | $295,000 | |
First State Bank
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Conventional | 1 | 0.1% | 100% | $95,000 | |
Altra Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $65,000 | |
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A+5.0 ★Texas Ratio: 5.51% |
FHA | 1 | 0.1% | 100% | $305,000 | View |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.1% | 50% | $275,000 | View |
Milend, Inc
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VA | 1 | 0.1% | 100% | $175,000 | |
Tjc Mortgage Inc
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.1% | 100% | $385,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.1% | 100% | $165,000 | |
1st National Bank
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Endeavor Capital, LLC
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FHA | 1 | 0.1% | 100% | $195,000 | |
Purdue Federal Cu
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Conventional | 1 | 0.1% | 100% | $255,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.1% | 100% | $135,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.1% | 100% | $165,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 3.5% | $65,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.1% | 100% | $235,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.1% | 40% | $65,000 | |
NorthCountry Federal Credit Union
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Conventional | 1 | 0.1% | 100% | $305,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.1% | 50% | $55,000 | |
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A5.0 ★Texas Ratio: 6.17% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
Tomo Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Valon Mortgage
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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 | ||
CrossCountry Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Kinecta Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Richmond 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 Richmond, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Richmond? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richmond in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richmond, KY
Use these to narrow the list above. Each category shows how many Richmond, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Richmond, KY
Independent mortgage companies closed 62.2 percent of home loans in Richmond, Kentucky in 2025, banks 31.9 percent and credit unions 5.9 percent. Stockton Mortgage Corporation was the largest mortgage company, US Bank, N.A. the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Central Bank & Trust Co led with 17 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 Richmond, KY
By home loans closed in 2025, US Bank, N.A. was the largest mortgage lender in Richmond, Kentucky with 39 loans, about 3.7 percent of the market. The largest lender headquartered in Kentucky was Central Bank & Trust Co with 17 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Richmond, Kentucky, Ark-La-Tex Financial Services LLC approved the highest share of completed applications in 2025 at 97.3 percent, against a 84 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.
66 lenders closed FHA loans in Richmond, Kentucky in 2025, led by Ark-La-Tex Financial Services LLC with 43. 49 lenders closed VA loans, led by Mortgage Research Center, and 11 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. 55 banks and 13 credit unions closed home loans in Richmond, Kentucky in 2025, alongside 82 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 Richmond, 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 Richmond, 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 Richmond. 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.
