Mortgage Lenders and Brokers in Sonora, 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
Sonora, Kentucky mortgage lenders include The Cecilian BankThe Cecilian Bank235 E Western Ave, Sonora, KY 42776A+5.0 ★Texas Ratio: 2.60%, West Point BankWest Point Bank502 W Dixie Ave, Elizabethtown, KY 42701A5.0 ★Texas Ratio: 9.97%, Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%, South Central Bank IncSouth Central Bank Inc3505 Louisville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.83%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, The Lincoln National Bank of HodgenvilleThe Lincoln National Bank of Hodgenville500 Lincoln Way, Bardstown, KY 40004A+5.0 ★Texas Ratio: 2.54%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, L&N Federal Credit UnionL&N Federal Credit Union1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731A+5.0 ★Texas Ratio: 1.91%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, and Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103. 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 Sonora, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sonora 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 Sonora, Kentucky
Market share is the lender's share of all home loans closed in Sonora, 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 Sonora 235 E Western Ave, Sonora, KY 42776 A+5.0 ★Texas Ratio: 2.60% |
Conventional, HELOC | 7 +4 HELOCs |
9% | 87.5% | $209,285 | View |
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502 W Dixie Ave, Elizabethtown, KY 42701 A5.0 ★Texas Ratio: 9.97% |
Conventional | 14 | 17.9% | 87.5% | $170,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, HELOC | 4 +7 HELOCs |
5.1% | 100% | $312,500 | View |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
3.8% | 100% | $265,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA | 3 | 3.8% | 100% | $348,333 | View |
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500 Lincoln Way, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 2.54% |
Conventional | 2 | 2.6% | 100% | $70,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
VA, HELOC | 1 +1 HELOCs |
1.3% | 50% | $395,000 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $245,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
1.3% | 100% | $125,000 | View |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
FHA | 1 | 1.3% | 100% | $415,000 | |
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101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62% |
Conventional | 1 | 1.3% | 100% | $225,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 1 | 1.3% | 50% | $235,000 | 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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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 1.3% | 100% | $35,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 11 | 14.1% | 100% | $251,363 | |
Rocket Mortgage
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Conventional, FHA | 5 | 6.4% | 62.5% | $191,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 2.6% | 66.7% | $75,000 | |
Union Home Mortgage Corp.
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Conventional, VA | 2 | 2.6% | 100% | $300,000 | |
Mortgage Research Center
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VA | 2 | 2.6% | 66.7% | $255,000 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 2 | 2.6% | 100% | $125,000 | |
Interlinc Mortgage Services, LLC
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VA | 1 | 1.3% | 100% | $535,000 | |
EMM Loans LLC
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Conventional | 1 | 1.3% | 100% | $315,000 | |
Freedom Mortgage Corporation
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FHA | 1 | 1.3% | 33.3% | $245,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.3% | 100% | $265,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.3% | 100% | $185,000 | |
American Financing Corporation
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FHA | 1 | 1.3% | 100% | $65,000 | |
New Day Financial, LLC.
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VA | 1 | 1.3% | 100% | $275,000 | |
Planet Home Lending, LLC
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Conventional | 1 | 1.3% | 100% | $45,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
FHA | 1 | 1.3% | 100% | $245,000 | View |
Endeavor Capital, LLC
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FHA | 1 | 1.3% | 100% | $295,000 | |
New American Funding, LLC.
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FHA | 1 | 1.3% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 1 | 1.3% | 50% | $155,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.3% | 25% | $165,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1.3% | 100% | $265,000 | |
Empeople 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 |
Sonora 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 Sonora, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Sonora? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sonora in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sonora, KY
Use these to narrow the list above. Each category shows how many Sonora, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Sonora, KY
Independent mortgage companies closed 47.4 percent of home loans in Sonora, Kentucky in 2025, banks 43.6 percent and credit unions 9 percent. Farm Credit Mid-America, Aca was the largest mortgage company, The Cecilian Bank the largest bank and Abound Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, The Cecilian Bank led with 7 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 Sonora, KY
By home loans closed in 2025, The Cecilian Bank was the largest mortgage lender in Sonora, Kentucky with 7 loans, about 9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
13 lenders closed FHA loans in Sonora, Kentucky in 2025, led by United Wholesale Mortgage with 4. 7 lenders closed VA loans, led by United Wholesale Mortgage. 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 5 credit unions closed home loans in Sonora, Kentucky in 2025, alongside 20 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 Sonora, 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 Sonora, 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 Sonora. 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.
