Mortgage Lenders and Brokers in St. Matthews, 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
St. Matthews, Kentucky mortgage lenders include First Financial BankFirst Financial BankLimaburg Road And Jones Circle, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.21%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company111 Chaplin Rd, Bloomfield, KY 40008A+5.0 ★Texas Ratio: 1.99%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, L&N Federal Credit UnionL&N Federal Credit Union1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731A+5.0 ★Texas Ratio: 1.91%, Abound Federal Credit UnionAbound Federal Credit Union100 Kelly Dr, Bardstown, KY 40004A+5.0 ★Texas Ratio: 3.44%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, and Commonwealth Federal Credit UnionCommonwealth Federal Credit Union417 High St, Frankfort, KY 40601. 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 St. Matthews, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Matthews 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 St. Matthews, Kentucky
Market share is the lender's share of all home loans closed in St. Matthews, 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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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 17 +8 HELOCs |
4.3% | 100% | $345,588 | View |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 13 +22 HELOCs |
3.3% | 92.9% | $283,461 | 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 | 13 +22 HELOCs |
3.3% | 100% | $208,076 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 12 +16 HELOCs |
3.1% | 100% | $245,833 | View |
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6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 10 +19 HELOCs |
2.6% | 71.4% | $238,000 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 10 +7 HELOCs |
2.6% | 76.9% | $137,000 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 10 +7 HELOCs |
2.6% | 90.9% | $314,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional, VA, HELOC | 7 +2 HELOCs |
1.8% | 100% | $315,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 7 | 1.8% | 100% | $247,857 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 5 +8 HELOCs |
1.3% | 83.3% | $293,000 | |
Liberty Federal Credit Union
544 Lovers Ln, Bowling Green, KY 42103 |
Conventional, FHA, HELOC | 5 +1 HELOCs |
1.3% | 100% | $217,000 | |
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101 Padgett St, Bardstown, KY 40004 A+4.9 ★Texas Ratio: 2.62% |
Conventional, Jumbo | 5 | 1.3% | 100% | $509,000 | View |
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2549 Regency Rd Ste 105, Lexington, KY 40503 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 4 | 1% | 100% | $340,000 | View |
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1950 Scottsville Rd, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 0.79% |
Conventional, HELOC | 3 +1 HELOCs |
0.8% | 100% | $311,666 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional | 3 | 0.8% | 100% | $505,000 | View |
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1140 Us 127 South, Frankfort, KY 40601 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 3 | 0.8% | 100% | $195,000 | View |
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10130 Taylorsville Rd, Jeffersontown, KY 40299 A+5.0 ★Texas Ratio: 2.69% |
Conventional | 3 | 0.8% | 100% | $225,000 | View |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 2 +4 HELOCs |
0.5% | 50% | $245,000 | View |
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101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $275,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
Conventional, HELOC | 2 +1 HELOCs |
0.5% | 100% | $340,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional | 2 | 0.5% | 100% | $215,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 50% | $385,000 | View |
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★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +3 HELOCs |
0.3% | 100% | $285,000 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 0.3% | 50% | $485,000 | View |
Class Act Federal Credit Union
3620 Fern Valley Rd, Louisville, KY 40219 1917 |
Conventional | 1 | 0.3% | 50% | $75,000 | |
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235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
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302 Bypass Rd, Brandenburg, KY 40108 A+5.0 ★Texas Ratio: 2.60% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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3827 Shelbyville Rd, Louisville, KY 40207 A+5.0 ★Texas Ratio: 3.43% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
United Citizens Bank & Trust Company
4727 W Highway 146, Buckner, KY 40010 |
Conventional | 1 | 0.3% | 100% | $135,000 | |
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502 W Dixie Ave, Elizabethtown, KY 42701 A5.0 ★Texas Ratio: 9.97% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
HELOC | 0 +7 HELOCs |
0% | n/a | View | |
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3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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360 E 8th Avenue, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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6601 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 3.39% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
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Conventional | 5 | 1.3% | 100% | $215,000 | |
Park Community Credit Union
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Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $235,000 | |
Fair Way Lending, LLC
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Conventional | 1 | 0.3% | 100% | $415,000 | |
Field & Main Bank
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Conventional | 1 | 0.3% | 100% | $285,000 | |
University of Ky FCU
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HELOC | 0 +12 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 31 +1 HELOCs |
7.9% | 100% | $290,483 | |
Rocket Mortgage
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Conventional, FHA | 28 | 7.1% | 82.9% | $211,428 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, FHA, HELOC | 22 +9 HELOCs |
5.6% | 100% | $363,181 | View |
CrossCountry Mortgage, LLC
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Conventional, VA, HELOC | 10 +1 HELOCs |
2.6% | 100% | $342,000 | |
The Loan Store, Inc
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Conventional, HELOC | 10 +1 HELOCs |
2.6% | 100% | $324,000 | |
Interlinc Mortgage Services, LLC
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Conventional | 10 | 2.6% | 100% | $423,000 | |
Provident Funding Associates
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Conventional | 8 | 2% | 100% | $318,750 | |
Fairway Independent Mort Corp
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Conventional | 8 | 2% | 80% | $280,000 | |
American Financial Resources LLC
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Conventional, FHA | 6 | 1.5% | 100% | $223,333 | |
Prosperity Home Mortgage, LLC
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Conventional | 6 | 1.5% | 100% | $276,666 | |
Guaranteed Rate, Inc.
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Conventional | 4 | 1% | 100% | $217,500 | |
T2 Financial LLC
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Conventional | 4 | 1% | 100% | $310,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 1% | 100% | $250,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 0.8% | 100% | $281,666 | |
Kind Lending, LLC
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Conventional, FHA, VA | 3 | 0.8% | 60% | $401,666 | |
AmeriHome Mortgage Company, LLC
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Conventional | 3 | 0.8% | 100% | $198,333 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.8% | 100% | $188,333 | View |
Nationstar Mortgage
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Conventional | 3 | 0.8% | 100% | $45,000 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 0.8% | 100% | $331,666 | |
Lower, LLC
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Conventional | 3 | 0.8% | 75% | $208,333 | |
Paramount Residential Mortgage
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Conventional | 3 | 0.8% | 100% | $431,666 | |
Ark-La-Tex Financial Services LLC
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Conventional | 3 | 0.8% | 100% | $285,000 | |
Newrez LLC
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Conventional | 2 | 0.5% | 66.7% | $390,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.5% | 100% | $95,000 | |
Pennymac Loan Services LLC
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Conventional | 2 | 0.5% | 66.7% | $340,000 | |
Amerisave Mortgage Company
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Conventional | 2 | 0.5% | 33.3% | $245,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $215,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 2 | 0.5% | 100% | $145,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 0.5% | 100% | $335,000 | |
New Day Financial, LLC.
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VA | 2 | 0.5% | 100% | $250,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 2 | 0.5% | 66.7% | $295,000 | View |
Mortgage Research Center
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VA | 2 | 0.5% | 66.7% | $275,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 0.5% | 100% | $195,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional | 2 | 0.5% | 100% | $380,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.5% | 100% | $305,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 0.5% | 100% | $200,000 | |
EMM Loans LLC
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
Primelending
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.3% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.3% | 100% | $475,000 | View |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.3% | 100% | $165,000 | |
Fed Ex Employees Credit Association
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Conventional | 1 | 0.3% | 100% | $105,000 | |
Dart Bank
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VA | 1 | 0.3% | 100% | $495,000 | |
Resicentral LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
loanDepot.com LLC
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FHA | 1 | 0.3% | 100% | $75,000 | |
Indiana Members Credit Union
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Conventional | 1 | 0.3% | 100% | $425,000 | |
The Mortgage Warehouse, LLC
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Conventional | 1 | 0.3% | 100% | $425,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $805,000 | |
Nfm, Inc
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Conventional | 1 | 0.3% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional | 1 | 0.3% | 100% | $435,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $425,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.3% | 100% | $135,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $275,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
General Electric Credit Union
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Florida Capital Bank, N.A
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Conventional | 1 | 0.3% | 100% | $335,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $505,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.3% | 50% | $225,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.3% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.3% | 100% | $525,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 33.3% | $45,000 | |
Southwest Funding LP
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Conventional | 1 | 0.3% | 100% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cmg Mortgage Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Elements Financial Federal Cre
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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 |
St. Matthews 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 St. Matthews, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in St. Matthews? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Matthews in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Matthews, KY
Use these to narrow the list above. Each category shows how many St. Matthews, KY lenders fit and what that kind of lender is usually best for.
Who Lends in St. Matthews, KY
Independent mortgage companies closed 49.7 percent of home loans in St. Matthews, Kentucky in 2025, banks 40.3 percent and credit unions 9.9 percent. Stockton Mortgage Corporation was the largest mortgage company, First Financial Bank the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Stock Yards Bank & Trust Company led with 13 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 St. Matthews, KY
By home loans closed in 2025, First Financial Bank was the largest mortgage lender in St. Matthews, Kentucky with 17 loans, about 4.3 percent of the market. The largest lender headquartered in Kentucky was Stock Yards Bank & Trust Company with 13 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in St. Matthews, Kentucky in 2025, led by Rocket Mortgage with 4. 9 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. 46 banks and 15 credit unions closed home loans in St. Matthews, 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 St. Matthews, 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 St. Matthews, 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 St. Matthews. 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.
