Mortgage Lenders and Brokers in Spottsville, 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
Spottsville, Kentucky mortgage lenders include Liberty Federal Credit UnionLiberty Federal Credit Union544 Lovers Ln, Bowling Green, KY 42103, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, Independence Bank of KentuckyIndependence Bank of Kentucky1950 Scottsville Rd, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 0.79%, Magnolia BankMagnolia Bank651 W Dixie Ave, Elizabethtown, KY 42701A-5.0 ★Texas Ratio: 14.97%, Old National BankOld National Bank301 S 2nd St, Central City, KY 42330A+5.0 ★Texas Ratio: 4.98%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, First Federal Savings BankFirst Federal Savings Bank2555 Us 41 N, Henderson, KY 42420A+5.0 ★Texas Ratio: 2.12%, Farmers Bank and Trust CompanyFarmers Bank and Trust Company2009 Scottsville Rd, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 2.10%, Field & Main BankField & Main BankHenderson, KY, and United Wholesale Mortgage. 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 Spottsville, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Spottsville 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 Spottsville, Kentucky
Market share is the lender's share of all home loans closed in Spottsville, 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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Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional, FHA, HELOC | 14 +1 HELOCs |
28% | 87.5% | $194,285 | |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 2 +4 HELOCs |
4% | 66.7% | $60,000 | View |
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1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 2 +3 HELOCs |
4% | 100% | $200,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
USDA | 2 | 4% | 100% | $160,000 | View |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 1 +2 HELOCs |
2% | 100% | $175,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 1 | 2% | 100% | $195,000 | View |
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2555 Us 41 N, Henderson, KY 42420 A+5.0 ★Texas Ratio: 2.12% |
Conventional | 1 | 2% | 100% | $335,000 | View |
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2009 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 2.10% |
Conventional | 1 | 2% | 100% | $35,000 | View |
Field & Main Bank
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Conventional | 8 | 16% | 100% | $258,750 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 4% | 66.7% | $145,000 | |
Rocket Mortgage
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Conventional, FHA | 2 | 4% | 66.7% | $160,000 | |
SWBC Mortgage Corporation
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Conventional, FHA | 2 | 4% | 100% | $50,000 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional | 2 | 4% | 66.7% | $105,000 | View |
Ruoff Mortgage Company
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FHA | 1 | 2% | 100% | $195,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 2% | 100% | $405,000 | View |
Freedom Mortgage Corporation
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FHA | 1 | 2% | 100% | $85,000 | |
Farmers Insurance Federal Credit Union
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Conventional | 1 | 2% | 100% | $105,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 2% | 100% | $205,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 2% | 100% | $65,000 | |
Mortgage Research Center
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VA | 1 | 2% | 100% | $215,000 | |
The Loan Store, Inc
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Conventional | 1 | 2% | 100% | $215,000 | |
21St Mortgage
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Conventional | 1 | 2% | 50% | $95,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 2% | 100% | $55,000 | |
CrossCountry Mortgage, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Spottsville 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 Spottsville, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Spottsville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Spottsville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Spottsville, KY
Use these to narrow the list above. Each category shows how many Spottsville, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Spottsville, KY
Independent mortgage companies closed 28 percent of home loans in Spottsville, Kentucky in 2025, banks 38 percent and credit unions 34 percent. United Wholesale Mortgage was the largest mortgage company, Fifth Third Bank, National Association the largest bank and Liberty Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Liberty Federal Credit Union led with 14 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 Spottsville, KY
By home loans closed in 2025, Liberty Federal Credit Union was the largest mortgage lender in Spottsville, Kentucky with 14 loans, about 28 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Spottsville, Kentucky in 2025, led by Liberty Federal Credit Union with 5. 2 lenders closed VA loans, led by United Wholesale 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. 9 banks and 3 credit unions closed home loans in Spottsville, Kentucky in 2025, alongside 12 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 Spottsville, 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 Spottsville, 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 Spottsville. 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.
