Mortgage Lenders and Brokers in Somerset, 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
Somerset, Kentucky mortgage lenders include The Citizens National Bank of SomersetThe Citizens National Bank of Somerset44 Public Sq, Somerset, KY 42501B+3.9 ★Texas Ratio: 1.75%, United Cumberland BankUnited Cumberland Bank2568 S Highway 27, Somerset, KY 42501A5.0 ★Texas Ratio: 9.50%, Community Trust Bank, Inc.Community Trust Bank, Inc.239 N Highway 27, Somerset, KY 42503A+5.0 ★Texas Ratio: 3.53%, Cumberland Valley National Bank & Trust CoCumberland Valley National Bank & Trust Co1520 S Highway 27, Somerset, KY 42501A+5.0 ★Texas Ratio: 1.64%, Truist BankTruist Bank546 S Highway 27, Somerset, KY 42501A+5.0 ★Texas Ratio: 2.87%, South Central Bank IncSouth Central Bank Inc3977 Robinson Way N, Somerset, KY 42503A+5.0 ★Texas Ratio: 2.83%, L&N Federal Credit UnionL&N Federal Credit Union2599 S HIGHWAY 27, SOMERSET, KY 42501A+5.0 ★Texas Ratio: 1.91%, Monticello Banking CompanyMonticello Banking Company3653 S Highway 27, Somerset, KY 42501A+5.0 ★Texas Ratio: 0.91%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, and First Southern National BankFirst Southern National Bank15 N Highway 27, Somerset, KY 42503A+5.0 ★Texas Ratio: 3.45%. 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 Somerset, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Somerset 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 Somerset, Kentucky
Market share is the lender's share of all home loans closed in Somerset, 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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4 offices in Somerset 44 Public Sq, Somerset, KY 42501 B+3.9 ★Texas Ratio: 1.75% |
Conventional, Jumbo | 63 | 13.1% | 92.6% | $211,984 | View |
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1 office in Somerset 2568 S Highway 27, Somerset, KY 42501 A5.0 ★Texas Ratio: 9.50% |
Conventional | 19 | 4% | 90.5% | $188,684 | View |
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2 offices in Somerset 239 N Highway 27, Somerset, KY 42503 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 13 +12 HELOCs |
2.7% | 76.5% | $269,615 | View |
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1 office in Somerset 1520 S Highway 27, Somerset, KY 42501 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 4 | 0.8% | 83.3% | $142,500 | View |
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★ 1 stars, 1 review 1 office in Somerset 546 S Highway 27, Somerset, KY 42501 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +9 HELOCs |
0.6% | 100% | $155,000 | View |
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1 office in Somerset 3977 Robinson Way N, Somerset, KY 42503 A+5.0 ★Texas Ratio: 2.83% |
HELOC | 0 +8 HELOCs |
0% | n/a | View | |
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2599 S HIGHWAY 27, SOMERSET, KY 42501 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 19 +33 HELOCs |
4% | 90.5% | $198,684 | View |
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★ 5 stars, 1 review 3653 S Highway 27, Somerset, KY 42501 A+5.0 ★Texas Ratio: 0.91% |
Conventional, Jumbo | 10 | 2.1% | 83.3% | $373,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA, USDA | 8 | 1.7% | 88.9% | $227,500 | View |
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15 N Highway 27, Somerset, KY 42503 A+5.0 ★Texas Ratio: 3.45% |
Conventional | 7 | 1.5% | 87.5% | $82,142 | View |
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4710 S Highway 27, Somerset, KY 42501 A+5.0 ★Texas Ratio: 0.45% |
Conventional, FHA | 6 | 1.2% | 60% | $128,333 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 5 +2 HELOCs |
1% | 83.3% | $161,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 5 +2 HELOCs |
1% | 87.5% | $155,000 | |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, Jumbo | 3 | 0.6% | 100% | $531,666 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 2 | 0.4% | 100% | $155,000 | View |
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185 Finance St, Harlan, KY 40831 A+5.0 ★Texas Ratio: 2.76% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional | 1 | 0.2% | 100% | $495,000 | |
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1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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507 Main St, Benton, KY 42025 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional | 1 | 0.2% | 100% | $175,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
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 | |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Farm Credit Mid-America, Aca
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Conventional | 4 | 0.8% | 100% | $322,500 | |
Stockton Mortgage Corporation
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FHA, USDA | 2 | 0.4% | 100% | $195,000 | |
Victory Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $195,000 | |
University of Ky FCU
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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Conventional, FHA, VA, USDA | 58 | 12.1% | 98.3% | $159,827 | |
Rocket Mortgage
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Conventional, FHA, VA | 50 | 10.4% | 81.2% | $161,400 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 23 | 4.8% | 88.5% | $276,304 | |
Mortgage Research Center
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VA | 17 | 3.5% | 63% | $292,647 | |
Freedom Mortgage Corporation
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FHA, VA | 12 | 2.5% | 87.5% | $292,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 2.1% | 76.9% | $140,000 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA | 10 | 2.1% | 90.9% | $138,000 | View |
Planet Home Lending, LLC
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Conventional, FHA | 8 | 1.7% | 80% | $172,500 | |
loanDepot.com LLC
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Conventional, FHA, VA | 7 | 1.5% | 88.9% | $195,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, USDA | 5 | 1% | 83.3% | $139,000 | View |
Ark-La-Tex Financial Services LLC
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VA, USDA | 5 | 1% | 100% | $197,000 | |
Atlantic Bay Mortgage Group
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Conventional, FHA, VA, USDA | 4 | 0.8% | 100% | $142,500 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 4 | 0.8% | 66.7% | $195,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 3 +1 HELOCs |
0.6% | 100% | $281,666 | |
Equity Prime Mortgage LLC
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USDA | 3 | 0.6% | 100% | $198,333 | |
Amerisave Mortgage Company
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Conventional, FHA, VA | 3 | 0.6% | 50% | $148,333 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 3 | 0.6% | 100% | $135,000 | |
Discover Bank
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Conventional | 3 | 0.6% | 33.3% | $95,000 | |
Republic State Mortgage Company
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Conventional, FHA, USDA | 3 | 0.6% | 100% | $241,666 | |
Das Acquisition Company, LLC
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Conventional, FHA, USDA | 3 | 0.6% | 100% | $155,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.6% | 12.5% | $65,000 | |
Polaris Home Funding Corp.
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FHA | 2 | 0.4% | 100% | $355,000 | |
Royal United Mortgage LLC
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Conventional, FHA | 2 | 0.4% | 100% | $105,000 | |
Kind Lending, LLC
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FHA, VA | 2 | 0.4% | 100% | $275,000 | |
PHH Mortgage Corporation
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Conventional, VA | 2 | 0.4% | 100% | $115,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.4% | 66.7% | $290,000 | View |
Premier Lending Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $80,000 | |
T2 Financial LLC
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Conventional, FHA | 2 | 0.4% | 100% | $110,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA, VA | 2 | 0.4% | 100% | $255,000 | View |
Nationstar Mortgage
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Conventional | 2 | 0.4% | 50% | $130,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 2 | 0.4% | 100% | $225,000 | |
Mutual of Omaha Mortgage
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FHA | 2 | 0.4% | 50% | $190,000 | |
Lower, LLC
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Conventional, VA | 2 | 0.4% | 100% | $280,000 | |
Plaza Home Mortgage, Inc
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FHA | 2 | 0.4% | 100% | $235,000 | |
Tomo Mortgage LLC
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Conventional, FHA | 2 | 0.4% | 100% | $215,000 | |
Village Capital & Investment
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VA | 2 | 0.4% | 57.1% | $370,000 | |
Ruoff Mortgage Company
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FHA | 1 | 0.2% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 6.84% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.2% | 100% | $265,000 | View |
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A-4.9 ★Texas Ratio: 16.48% |
VA | 1 | 0.2% | 100% | $615,000 | View |
Everett Financial, Inc.
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FHA | 1 | 0.2% | 100% | $145,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $175,000 | |
Acrisure Mortgage, LLC
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USDA | 1 | 0.2% | 100% | $235,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.2% | 50% | $255,000 | |
Signature Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $35,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $385,000 | |
Dart Bank
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Conventional | 1 | 0.2% | 100% | $195,000 | |
Loanunited.Com, LLC
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Conventional | 1 | 0.2% | 100% | $125,000 | |
Valon Mortgage
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FHA | 1 | 0.2% | 100% | $155,000 | |
HomeBridge Financial Services, Inc
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VA | 1 | 0.2% | 100% | $185,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.2% | 100% | $195,000 | |
American Financing Corporation
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FHA | 1 | 0.2% | 33.3% | $215,000 | |
ClearPath Lending
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VA | 1 | 0.2% | 100% | $255,000 | |
Union Home Mortgage Corp.
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USDA | 1 | 0.2% | 33.3% | $155,000 | |
New Day Financial, LLC.
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VA | 1 | 0.2% | 40% | $205,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Lendsure Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Communityamerica Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $95,000 | |
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B4.4 ★Texas Ratio: 21.68% |
FHA | 1 | 0.2% | 100% | $145,000 | View |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional | 1 | 0.2% | 100% | $565,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
VA | 1 | 0.2% | 100% | $405,000 | View |
Mortgage Investors Group
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FHA | 1 | 0.2% | 100% | $175,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 33.3% | $145,000 | |
Reliance First Capital, LLC
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VA | 1 | 0.2% | 100% | $235,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 50% | $55,000 | |
Top Flite Financial, Inc.
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Conventional | 1 | 0.2% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 4.82% |
Conventional | 1 | 0.2% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 2.82% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
American Neighborhood Mortgage Acceptance Company
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FHA | 1 | 0.2% | 100% | $195,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View |
Somerset 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 Somerset, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Somerset? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Somerset in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Somerset, KY
Use these to narrow the list above. Each category shows how many Somerset, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Somerset, KY
Independent mortgage companies closed 56.5 percent of home loans in Somerset, Kentucky in 2025, banks 37.3 percent and credit unions 6.2 percent. Farm Credit Mid-America, Aca was the largest mortgage company, The Citizens National Bank of Somerset the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, The Citizens National Bank of Somerset led with 63 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 Somerset, KY
By home loans closed in 2025, The Citizens National Bank of Somerset was the largest mortgage lender in Somerset, Kentucky with 63 loans, about 13.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Somerset, Kentucky, New American Funding, LLC. approved the highest share of completed applications in 2025 at 98.3 percent, against a 81.2 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.
37 lenders closed FHA loans in Somerset, Kentucky in 2025, led by New American Funding, LLC. with 18. 25 lenders closed VA loans, led by Mortgage Research Center, and 12 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. 38 banks and 8 credit unions closed home loans in Somerset, Kentucky in 2025, alongside 56 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 Somerset, 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 Somerset, 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 Somerset. 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.
