Mortgage Lenders and Brokers in Union, 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
Union, Kentucky mortgage lenders include Heritage Bank, INCHeritage Bank, INC8751 Us Highway 42, Union, KY 41091A+5.0 ★Texas Ratio: 4.11%, Fifth Third Bank, National AssociationFifth Third Bank, National Association9100 US 42 Highway, Union, KY 41091A+5.0 ★Texas Ratio: 3.22%, Central Bank & Trust CoCentral Bank & Trust Co9021 Us Highway 42, Union, KY 41091A+5.0 ★Texas Ratio: 1.26%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, Huntington National BankHuntington National Bank2252 Burlington Pike, Burlington, KY 41005A+5.0 ★Texas Ratio: 3.66%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, and Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%. 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 Union, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Union 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 Union, Kentucky
Market share is the lender's share of all home loans closed in Union, 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 Union 8751 Us Highway 42, Union, KY 41091 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 24 | 3.8% | 88.9% | $245,416 | View |
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1 office in Union 9100 US 42 Highway, Union, KY 41091 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 9 +60 HELOCs |
1.4% | 90.9% | $209,444 | View |
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1 office in Union 9021 Us Highway 42, Union, KY 41091 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 1 +10 HELOCs |
0.2% | 100% | $405,000 | View |
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7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, Jumbo, HELOC | 46 +7 HELOCs |
7.4% | 94% | $461,521 | View |
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2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, FHA, Jumbo, HELOC | 21 +22 HELOCs |
3.4% | 77.8% | $405,476 | View |
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1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, FHA, VA, Jumbo, HELOC | 12 +7 HELOCs |
1.9% | 100% | $351,666 | View |
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7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 10 +13 HELOCs |
1.6% | 100% | $425,000 | View |
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924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA, HELOC | 8 +2 HELOCs |
1.3% | 80% | $355,000 | View |
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★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, VA, Jumbo, HELOC | 5 +21 HELOCs |
0.8% | 83.3% | $493,000 | View |
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119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, Jumbo, HELOC | 5 +8 HELOCs |
0.8% | 100% | $571,000 | 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 | 4 +14 HELOCs |
0.6% | 100% | $300,000 | View |
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111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 4 +4 HELOCs |
0.6% | 100% | $420,000 | View |
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Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 3 +10 HELOCs |
0.5% | 100% | $365,000 | View |
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6424 Ky Route 1428, Allen, KY 41601 A+5.0 ★Texas Ratio: 3.53% |
Conventional | 3 | 0.5% | 100% | $188,333 | View |
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406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional, Jumbo | 2 | 0.3% | 100% | $1,265,000 | View |
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520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +4 HELOCs |
0.2% | 100% | $345,000 | View |
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1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $285,000 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $285,000 | |
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301 S 2nd St, Central City, KY 42330 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
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Highways 52 And 11, Beattyville, KY 41311 A+5.0 ★Texas Ratio: 1.13% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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2639 Highway 227, Carrollton, KY 41008 A+5.0 ★Texas Ratio: 5.94% |
Conventional | 1 | 0.2% | 100% | $25,000 | View |
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100 Kelly Dr, Bardstown, KY 40004 A+5.0 ★Texas Ratio: 3.44% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
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651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.2% | 100% | $525,000 | View |
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7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
First Equity Mortgage Inc
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Conventional, Jumbo | 50 | 8% | 83.3% | $412,600 | |
Victory Mortgage, LLC
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Conventional, FHA, VA | 37 | 5.9% | 97.4% | $372,027 | |
Stockton Mortgage Corporation
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Conventional, FHA, VA | 18 | 2.9% | 94.7% | $311,111 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 1 | 0.2% | 100% | $895,000 | |
University of Ky FCU
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HELOC | 0 +3 HELOCs |
0% | 0% | ||
Rocket Mortgage
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Conventional, FHA, VA | 62 | 9.9% | 88.6% | $250,483 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 41 | 6.6% | 100% | $375,731 | |
Union Home Mortgage Corp.
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Conventional, FHA | 16 | 2.6% | 94.7% | $360,625 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 10 +1 HELOCs |
1.6% | 76.9% | $346,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 10 | 1.6% | 83.3% | $276,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 9 +8 HELOCs |
1.4% | 81.8% | $229,444 | View |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, Jumbo | 8 | 1.3% | 80% | $410,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 8 | 1.3% | 100% | $340,000 | |
loanDepot.com LLC
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Conventional, FHA | 8 | 1.3% | 72.7% | $258,750 | |
Nationstar Mortgage
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Conventional | 8 | 1.3% | 81.8% | $206,250 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 7 | 1.1% | 72.7% | $133,571 | |
Union Savings Bank
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Conventional, HELOC | 6 +2 HELOCs |
1% | 100% | $353,333 | |
Nfm, Inc
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Conventional, VA | 6 | 1% | 100% | $343,333 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA, VA | 6 | 1% | 85.7% | $343,333 | |
New American Funding, LLC.
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Conventional, FHA | 6 | 1% | 100% | $223,333 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 6 | 1% | 85.7% | $321,666 | |
American Financial Resources LLC
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Conventional, FHA | 5 | 0.8% | 100% | $401,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA | 5 | 0.8% | 100% | $275,000 | View |
Amerisave Mortgage Company
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Conventional, FHA | 5 | 0.8% | 41.7% | $251,000 | |
Mortgage Research Center
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VA | 5 | 0.8% | 62.5% | $481,000 | |
The Loan Store, Inc
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Conventional, FHA | 5 | 0.8% | 100% | $371,000 | |
Cinfed Federal Credit Union
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Conventional, HELOC | 4 +6 HELOCs |
0.6% | 100% | $177,500 | |
First Community Mortgage, Inc.
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Conventional, FHA | 4 | 0.6% | 83.3% | $407,500 | |
Guaranteed Rate Affinity, LLC
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Conventional | 4 | 0.6% | 100% | $310,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 0.6% | 85.7% | $287,500 | |
Kind Lending, LLC
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Conventional, FHA | 4 | 0.6% | 100% | $257,500 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 4 | 0.6% | 80% | $100,000 | View |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 4 | 0.6% | 100% | $460,000 | View |
Spring Eq, LLC
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Conventional, HELOC | 3 +1 HELOCs |
0.5% | 57.1% | $81,666 | |
Newrez LLC
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Conventional, FHA | 3 | 0.5% | 42.9% | $408,333 | |
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A+5.0 ★Texas Ratio: 2.05% |
Conventional | 3 | 0.5% | 100% | $285,000 | View |
Churchill Mortgage Corporation
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Conventional, FHA | 3 | 0.5% | 100% | $268,333 | |
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A+5.0 ★Texas Ratio: 1.10% |
Conventional, FHA | 3 | 0.5% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.5% | 100% | $488,333 | View |
Sibcy Cline Mortgage Services, Inc.
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Conventional, FHA | 3 | 0.5% | 75% | $218,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 0.5% | 75% | $91,666 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 3 | 0.5% | 100% | $381,666 | |
Ocmbc, Inc.
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Conventional | 2 | 0.3% | 100% | $310,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 0.3% | 100% | $535,000 | |
Cincinnati Ohio Police Federal Credit Union
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Conventional | 2 | 0.3% | 100% | $160,000 | |
New Day Financial, LLC.
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VA | 2 | 0.3% | 66.7% | $285,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.3% | 100% | $690,000 | View |
Better Mortgage Corporation
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Conventional | 2 | 0.3% | 100% | $520,000 | |
Zillow Home Loans, LLC
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Conventional, FHA | 2 | 0.3% | 100% | $310,000 | |
Mutual of Omaha Mortgage
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Conventional | 2 | 0.3% | 100% | $430,000 | |
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A+5.0 ★Texas Ratio: 2.56% |
Conventional, HELOC | 1 +3 HELOCs |
0.2% | 100% | $115,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $405,000 | View |
Polaris Home Funding Corp.
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FHA | 1 | 0.2% | 50% | $295,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.2% | 100% | $785,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Sharefax Credit Union
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Primelending
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Primary Residential Mortgage, INC.
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Conventional | 1 | 0.2% | 100% | $275,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.2% | 20% | $345,000 | |
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A+5.0 ★Texas Ratio: 4.31% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Synergy One Lending, Inc.
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Conventional | 1 | 0.2% | 100% | $575,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.2% | 100% | $345,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.2% | 100% | $375,000 | |
Discover Bank
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Conventional | 1 | 0.2% | 20% | $155,000 | |
Das Acquisition Company, LLC
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VA | 1 | 0.2% | 100% | $405,000 | |
Connexus Credit Union
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Conventional | 1 | 0.2% | 50% | $195,000 | |
Weichert Financial Services
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FHA | 1 | 0.2% | 100% | $435,000 | |
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A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
T2 Financial LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Castle & Cooke Mortgage, LLC
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FHA | 1 | 0.2% | 100% | $225,000 | |
Wright Patt Credit Union Inc
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Conventional | 1 | 0.2% | 100% | $335,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $405,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 1 | 0.2% | 100% | $445,000 | View |
Rapid Mortgage Company
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.2% | 100% | $565,000 | View |
Digital Federal Credit Union
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Genway Home Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $685,000 | |
1st National Bank
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FHA | 1 | 0.2% | 100% | $505,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $685,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Lower, LLC
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Conventional | 1 | 0.2% | 50% | $415,000 | |
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A+5.0 ★Texas Ratio: 1.17% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.2% | 100% | $395,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.2% | 100% | $485,000 | View |
Paramount Residential Mortgage
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Conventional | 1 | 0.2% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 1 | 0.2% | 100% | $275,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Village Capital & Investment
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VA | 1 | 0.2% | 75% | $425,000 | |
General Electric Credit Union
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HELOC | 0 +21 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Delta Community Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
North Side Bank & Trust Company
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HELOC | 0 +1 HELOCs |
0% | n/a |
Union 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 Union, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Union? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Union in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Union, KY
Use these to narrow the list above. Each category shows how many Union, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Union, KY
Independent mortgage companies closed 61.2 percent of home loans in Union, Kentucky in 2025, banks 34.9 percent and credit unions 3.8 percent. First Equity Mortgage Inc was the largest mortgage company, Heritage Bank, INC the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Heritage Bank, INC led with 24 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 Union, KY
By home loans closed in 2025, Heritage Bank, INC was the largest mortgage lender in Union, Kentucky with 24 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Union, Kentucky, Rocket Mortgage approved the highest share of completed applications in 2025 at 88.6 percent, against a 87.4 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.
34 lenders closed FHA loans in Union, Kentucky in 2025, led by Stockton Mortgage Corporation with 7. 23 lenders closed VA loans, led by Rocket 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. 47 banks and 16 credit unions closed home loans in Union, Kentucky in 2025, alongside 61 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 Union, 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 Union, 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 Union. 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.
