Mortgage Lenders and Brokers in Villa Hills, Kentucky
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Villa Hills, Kentucky mortgage lenders include 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%, US Bank, N.A.US Bank, N.A.7630 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 2.85%, Fifth Third Bank, National AssociationFifth Third Bank, National Association6801 Alexandria Pike, Alexandria, KY 41001A+5.0 ★Texas Ratio: 3.22%, PNC Bank N.A.PNC Bank N.A.1000 Carter Ave, Ashland, KY 41101A+5.0 ★Texas Ratio: 4.24%, Truist BankTruist Bank2750 Nashville Rd, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 2.87%, German American BankGerman American Bank1805 Campbell Lane, Bowling Green, KY 42104A+5.0 ★Texas Ratio: 1.93%, Republic Bank & TrustRepublic Bank & Trust119 Fairfield Ave, Bellevue, KY 41073A+5.0 ★Texas Ratio: 2.91%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA924 Broadway Ave, Bowling Green, KY 42101A+5.0 ★Texas Ratio: 3.68%, and Forcht Bank, N.A.Forcht Bank, N.A.406 Knox St, Barbourville, KY 40906A+5.0 ★Texas Ratio: 0.45%. 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 Villa Hills, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Villa Hills 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 Villa Hills, Kentucky
Market share is the lender's share of all home loans closed in Villa Hills, 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 |
|---|---|---|---|---|---|---|
|
7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, HELOC | 16 +9 HELOCs |
6% | 94.4% | $326,875 | View |
|
2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, Jumbo, HELOC | 11 +4 HELOCs |
4.1% | 100% | $331,363 | View |
|
7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, HELOC | 9 +3 HELOCs |
3.4% | 90% | $183,888 | View |
|
6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, HELOC | 7 +13 HELOCs |
2.6% | 87.5% | $119,285 | View |
|
★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +8 HELOCs |
0.8% | 66.7% | $135,000 | View |
|
★ 1 stars, 1 review 2750 Nashville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 2 +3 HELOCs |
0.8% | 100% | $195,000 | View |
|
1805 Campbell Lane, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 1.93% |
Conventional, HELOC | 2 +2 HELOCs |
0.8% | 100% | $165,000 | View |
|
119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $565,000 | View |
|
924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.8% | 100% | $235,000 | View |
|
406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional, Jumbo | 2 | 0.8% | 100% | $960,000 | View |
|
7593 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 4.11% |
Conventional | 2 | 0.8% | 40% | $230,000 | View |
|
111 Chaplin Rd, Bloomfield, KY 40008 A+5.0 ★Texas Ratio: 1.99% |
Conventional, HELOC | 1 +3 HELOCs |
0.4% | 100% | $295,000 | View |
|
Limaburg Road And Jones Circle, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 1 +2 HELOCs |
0.4% | 50% | $55,000 | View |
|
101 Brentwood Dr, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $655,000 | View |
|
651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
|
1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Victory Mortgage, LLC
|
Conventional, FHA, VA | 53 | 19.9% | 100% | $347,075 | |
Stockton Mortgage Corporation
|
Conventional | 13 | 4.9% | 100% | $262,692 | |
First Equity Mortgage Inc
|
Conventional, VA | 8 | 3% | 100% | $421,250 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 17 | 6.4% | 94.4% | $287,941 | |
Union Home Mortgage Corp.
|
Conventional, FHA | 9 | 3.4% | 81.8% | $333,888 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA | 8 | 3% | 100% | $267,500 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 7 | 2.6% | 100% | $337,857 | |
Rocket Mortgage
|
Conventional | 6 | 2.3% | 75% | $160,000 | |
Pennymac Loan Services LLC
|
Conventional | 5 | 1.9% | 83.3% | $235,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, FHA | 5 | 1.9% | 100% | $129,000 | |
Nationstar Mortgage
|
Conventional | 4 | 1.5% | 100% | $347,500 | |
|
A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 3 +6 HELOCs |
1.1% | 100% | $45,000 | View |
Union Savings Bank
|
Conventional, HELOC | 3 +2 HELOCs |
1.1% | 100% | $485,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
FHA | 3 | 1.1% | 100% | $178,333 | View |
Mortgage Research Center
|
Conventional, VA | 3 | 1.1% | 75% | $351,666 | |
Freedom Mortgage Corporation
|
Conventional, VA | 2 | 0.8% | 100% | $300,000 | |
Sage Home Loans Corporation
|
Conventional | 2 | 0.8% | 100% | $405,000 | |
American Financing Corporation
|
Conventional, FHA | 2 | 0.8% | 100% | $100,000 | |
Nfm, Inc
|
Conventional, FHA | 2 | 0.8% | 100% | $200,000 | |
Zillow Home Loans, LLC
|
Conventional | 2 | 0.8% | 100% | $225,000 | |
New American Funding, LLC.
|
Conventional, FHA | 2 | 0.8% | 100% | $100,000 | |
The Loan Store, Inc
|
Conventional | 2 | 0.8% | 100% | $220,000 | |
Lower, LLC
|
Conventional, FHA | 2 | 0.8% | 66.7% | $360,000 | |
Fairway Independent Mort Corp
|
Conventional | 2 | 0.8% | 100% | $155,000 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA | 2 | 0.8% | 100% | $300,000 | |
General Electric Credit Union
|
Conventional, Jumbo, HELOC | 1 +4 HELOCs |
0.4% | 100% | $1,255,000 | |
Superior Credit Union, Inc.
|
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $455,000 | |
Polaris Home Funding Corp.
|
FHA | 1 | 0.4% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
First Community Mortgage, Inc.
|
Conventional | 1 | 0.4% | 100% | $95,000 | |
Guaranteed Rate Affinity, LLC
|
FHA | 1 | 0.4% | 100% | $225,000 | |
American Financial Resources LLC
|
Conventional | 1 | 0.4% | 100% | $375,000 | |
Servion
|
Conventional | 1 | 0.4% | 100% | $265,000 | |
Lakeview Loan Servicing, LLC
|
Conventional | 1 | 0.4% | 100% | $45,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.4% | 100% | $195,000 | |
|
A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.4% | 100% | $485,000 | View |
loanDepot.com LLC
|
Conventional | 1 | 0.4% | 100% | $105,000 | |
Amerisave Mortgage Company
|
FHA | 1 | 0.4% | 33.3% | $175,000 | |
American Financial Network, Inc.
|
FHA | 1 | 0.4% | 100% | $315,000 | |
Success Mortgage Partners, Inc
|
Conventional | 1 | 0.4% | 100% | $165,000 | |
Cincinnati Ohio Police Federal Credit Union
|
Conventional | 1 | 0.4% | 100% | $65,000 | |
Intercap Lending Inc
|
Conventional | 1 | 0.4% | 100% | $735,000 | |
Citizens Equity First Credit U
|
Conventional | 1 | 0.4% | 100% | $155,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.4% | 100% | $195,000 | View |
|
A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.4% | 100% | $235,000 | View |
T2 Financial LLC
|
Conventional | 1 | 0.4% | 100% | $355,000 | |
Wright Patt Credit Union Inc
|
Conventional | 1 | 0.4% | 100% | $635,000 | |
American Pacific Mortgage Corporation
|
Conventional | 1 | 0.4% | 100% | $135,000 | |
Rapid Mortgage Company
|
Conventional | 1 | 0.4% | 100% | $345,000 | |
Tjc Mortgage Inc
|
Conventional | 1 | 0.4% | 100% | $235,000 | |
|
A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
Sibcy Cline Mortgage Services, Inc.
|
VA | 1 | 0.4% | 100% | $585,000 | |
|
A5.0 ★Texas Ratio: 10.77% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
|
A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.4% | 100% | $285,000 | View |
Stanford Federal Credit Union
|
Conventional | 1 | 0.4% | 100% | $635,000 | |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
21St Mortgage
|
Conventional | 1 | 0.4% | 20% | $35,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 1 | 0.4% | 20% | $105,000 | |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.4% | 50% | $35,000 | |
|
A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
Spring Eq, LLC
|
Conventional | 1 | 0.4% | 100% | $65,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.4% | 100% | $255,000 | |
Tomo Mortgage LLC
|
Conventional | 1 | 0.4% | 100% | $185,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 2.56% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
American Airlines Federal Cred
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Cinfed Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Villa Hills 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 Villa Hills, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Villa Hills? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Villa Hills in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Villa Hills, KY
Use these to narrow the list above. Each category shows how many Villa Hills, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Villa Hills, KY
Independent mortgage companies closed 68 percent of home loans in Villa Hills, Kentucky in 2025, banks 29.3 percent and credit unions 2.6 percent. Victory Mortgage, LLC was the largest mortgage company, Guardian Savings Bank the largest bank and L&N Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Republic Bank & Trust led with 2 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 Villa Hills, KY
By home loans closed in 2025, Guardian Savings Bank was the largest mortgage lender in Villa Hills, Kentucky with 16 loans, about 6 percent of the market. The largest lender headquartered in Kentucky was Republic Bank & Trust with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Villa Hills, Kentucky, Victory Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 90.9 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.
18 lenders closed FHA loans in Villa Hills, Kentucky in 2025, led by Victory Mortgage, LLC with 5. 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. 28 banks and 11 credit unions closed home loans in Villa Hills, Kentucky in 2025, alongside 47 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 Villa Hills, 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 Villa Hills, 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 Villa Hills. 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.
