Mortgage Lenders and Brokers in Winchester, 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
Winchester, Kentucky mortgage lenders include Traditional Bank IncTraditional Bank Inc30 W Broadway St, Winchester, KY 40391A+5.0 ★Texas Ratio: 2.69%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company50 N Maple St, Winchester, KY 40391A+5.0 ★Texas Ratio: 1.99%, Community Trust Bank, Inc.Community Trust Bank, Inc.125 Winchester Plz, Winchester, KY 40391A+5.0 ★Texas Ratio: 3.53%, Central Bank & Trust CoCentral Bank & Trust Co1110 Pioneer Dr, Winchester, KY 40391A+5.0 ★Texas Ratio: 1.26%, Truist BankTruist Bank825 Bypass Rd, Winchester, KY 40391A+5.0 ★Texas Ratio: 2.87%, Peoples Exchange BankPeoples Exchange Bank175 Brooks Place Way, Winchester, KY 40391A+5.0 ★Texas Ratio: 1.13%, Citizens Bank of Kentucky, Inc.Citizens Bank of Kentucky, Inc.695 Bullion Blvd, Winchester, KY 40391A+5.0 ★Texas Ratio: 3.26%, Burke & Herbert Bk & Tr CoBurke & Herbert Bk & Tr Co1705 Bypass Rd, Winchester, KY 40391A5.0 ★Texas Ratio: 7.39%, Guardian Savings BankGuardian Savings Bank7550 Mall Rd, Florence, KY 41042A+5.0 ★Texas Ratio: 1.35%, 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 Winchester, Kentucky in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winchester 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 Winchester, Kentucky
Market share is the lender's share of all home loans closed in Winchester, 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 |
|---|---|---|---|---|---|---|
|
2 offices in Winchester 30 W Broadway St, Winchester, KY 40391 A+5.0 ★Texas Ratio: 2.69% |
Conventional, FHA, HELOC | 38 +22 HELOCs |
6.6% | 95% | $222,368 | View |
|
3 offices in Winchester 50 N Maple St, Winchester, KY 40391 A+5.0 ★Texas Ratio: 1.99% |
Conventional, FHA, VA, HELOC | 26 +27 HELOCs |
4.5% | 83.9% | $210,000 | View |
|
2 offices in Winchester 125 Winchester Plz, Winchester, KY 40391 A+5.0 ★Texas Ratio: 3.53% |
Conventional, HELOC | 21 +14 HELOCs |
3.7% | 80.8% | $209,761 | View |
|
2 offices in Winchester 1110 Pioneer Dr, Winchester, KY 40391 A+5.0 ★Texas Ratio: 1.26% |
Conventional, HELOC | 10 +17 HELOCs |
1.7% | 100% | $292,000 | View |
|
★ 1 stars, 1 review 1 office in Winchester 825 Bypass Rd, Winchester, KY 40391 A+5.0 ★Texas Ratio: 2.87% |
Conventional, FHA, VA, HELOC | 6 +2 HELOCs |
1% | 100% | $171,666 | View |
|
1 office in Winchester 175 Brooks Place Way, Winchester, KY 40391 A+5.0 ★Texas Ratio: 1.13% |
Conventional, FHA | 5 | 0.9% | 66.7% | $223,000 | View |
|
1 office in Winchester 695 Bullion Blvd, Winchester, KY 40391 A+5.0 ★Texas Ratio: 3.26% |
Conventional | 4 | 0.7% | 100% | $265,000 | View |
|
1 office in Winchester 1705 Bypass Rd, Winchester, KY 40391 A5.0 ★Texas Ratio: 7.39% |
Conventional, HELOC | 2 +2 HELOCs |
0.3% | 100% | $165,000 | View |
|
7550 Mall Rd, Florence, KY 41042 A+5.0 ★Texas Ratio: 1.35% |
Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
2.6% | 93.8% | $231,666 | View |
Commonwealth Federal Credit Union
417 High St, Frankfort, KY 40601 |
Conventional, HELOC | 11 +6 HELOCs |
1.9% | 100% | $205,000 | |
|
339 Shoppers Dr, Winchester, KY 40391 1379 A+5.0 ★Texas Ratio: 4.52% |
Conventional | 9 | 1.6% | 100% | $79,444 | View |
|
924 Broadway Ave, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 6 | 1% | 100% | $263,333 | View |
|
7630 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 2.85% |
Conventional, FHA, HELOC | 5 +3 HELOCs |
0.9% | 75% | $155,000 | View |
|
102 W Jefferson St, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.23% |
Conventional | 5 | 0.9% | 100% | $187,000 | View |
|
★ 1.7 stars, 3 reviews 1000 Carter Ave, Ashland, KY 41101 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 4 +9 HELOCs |
0.7% | 80% | $225,000 | View |
|
520 W New Circle Rd, Lexington, KY 40511 A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
0.7% | 80% | $207,500 | View |
|
6801 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 3 +6 HELOCs |
0.5% | 57.1% | $218,333 | View |
|
★ 5 stars, 1 review 310 N Cross St, Albany, KY 42602 A+5.0 ★Texas Ratio: 0.91% |
Conventional | 3 | 0.5% | 100% | $331,666 | View |
|
424 Park Pl, Lexington, KY 40511 1829 A+5.0 ★Texas Ratio: 0.46% |
Conventional | 3 | 0.5% | 100% | $75,000 | View |
|
651 W Dixie Ave, Elizabethtown, KY 42701 A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA | 3 | 0.5% | 100% | $248,333 | View |
|
119 Fairfield Ave, Bellevue, KY 41073 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 2 +3 HELOCs |
0.3% | 66.7% | $245,000 | View |
|
7300 Alexandria Pike, Alexandria, KY 41001 A+5.0 ★Texas Ratio: 3.87% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.3% | 66.7% | $170,000 | View |
First National Bank of Grayson
12496 Us Route 60, Ashland, KY 41102 |
Conventional | 2 | 0.3% | 66.7% | $165,000 | |
|
9431 Us Route 60, Ashland, KY 41102 A+5.0 ★Texas Ratio: 1.47% |
Conventional | 2 | 0.3% | 100% | $595,000 | View |
|
3505 Louisville Rd, Bowling Green, KY 42101 A+5.0 ★Texas Ratio: 2.83% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $275,000 | View |
|
2252 Burlington Pike, Burlington, KY 41005 A+5.0 ★Texas Ratio: 3.66% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $65,000 | View |
|
235 Glades Rd, Berea, KY 40403 A+5.0 ★Texas Ratio: 1.64% |
Conventional | 1 | 0.2% | 100% | $125,000 | View |
|
1843 Cumberland Falls Hwy, CORBIN, KY 40701 2731 A+5.0 ★Texas Ratio: 1.91% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
Farmers Bank
200 N Main St, Nicholasville, KY 40356 |
Conventional | 1 | 0.2% | 50% | $595,000 | |
|
406 Knox St, Barbourville, KY 40906 A+5.0 ★Texas Ratio: 0.45% |
Conventional | 1 | 0.2% | 100% | $225,000 | View |
|
131 Gold Vault Rd, Fort Knox, KY 40121 A+5.0 ★Texas Ratio: 4.81% |
VA | 1 | 0.2% | 100% | $405,000 | View |
|
531 Lovers Ln, Bowling Green, KY 42103 A5.0 ★Texas Ratio: 10.95% |
Conventional | 1 | 0.2% | 100% | $85,000 | View |
|
1214 Ashley Cir, Bowling Green, KY 42104 A+5.0 ★Texas Ratio: 3.45% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Stockton Mortgage Corporation
|
Conventional, FHA, VA, USDA | 11 | 1.9% | 100% | $224,090 | |
University of Ky FCU
|
Conventional, HELOC | 6 +20 HELOCs |
1% | 72.7% | $95,000 | |
Farm Credit Mid-America, Aca
|
Conventional | 2 | 0.3% | 100% | $520,000 | |
Park Community Credit Union
|
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 100% | $325,000 | |
Rocket Mortgage
|
Conventional, FHA, VA | 52 | 9.1% | 76.1% | $161,730 | |
Republic State Mortgage Company
|
Conventional, FHA, VA | 32 | 5.6% | 97% | $225,625 | |
Ark-La-Tex Financial Services LLC
|
Conventional, FHA, VA | 32 | 5.6% | 100% | $208,750 | |
United Wholesale Mortgage
|
Conventional, FHA, VA | 20 | 3.5% | 90.9% | $221,500 | |
Mortgage Research Center
|
Conventional, FHA, VA | 18 | 3.1% | 73.1% | $217,222 | |
New American Funding, LLC.
|
Conventional, FHA, HELOC | 12 +1 HELOCs |
2.1% | 92.9% | $195,833 | |
T2 Financial LLC
|
Conventional, FHA | 11 | 1.9% | 86.7% | $231,363 | |
Mortgage Investors Group
|
Conventional, FHA, VA | 11 | 1.9% | 91.7% | $261,363 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional, FHA, VA | 9 | 1.6% | 100% | $238,333 | View |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 9 | 1.6% | 77.8% | $203,888 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 9 | 1.6% | 100% | $131,666 | |
Amerisave Mortgage Company
|
Conventional, FHA | 9 | 1.6% | 69.2% | $92,777 | |
Mutual of Omaha Mortgage
|
Conventional, FHA, VA | 7 | 1.2% | 88.9% | $219,285 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional, FHA, VA, USDA | 7 | 1.2% | 87.5% | $259,285 | View |
Newrez LLC
|
Conventional, FHA, VA | 6 | 1% | 85.7% | $263,333 | |
Union Home Mortgage Corp.
|
Conventional, FHA, VA | 6 | 1% | 100% | $286,666 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 6 | 1% | 28% | $98,333 | |
Kind Lending, LLC
|
Conventional, FHA | 5 | 0.9% | 100% | $161,000 | |
CrossCountry Mortgage, LLC
|
FHA, VA | 4 | 0.7% | 100% | $205,000 | |
Nationstar Mortgage
|
Conventional, VA | 4 | 0.7% | 100% | $235,000 | |
Carrington Mortgage Services LLC
|
Conventional, FHA, VA | 4 | 0.7% | 36.4% | $240,000 | |
Ruoff Mortgage Company
|
Conventional, FHA | 3 | 0.5% | 80% | $211,666 | |
American Financial Resources LLC
|
Conventional, FHA | 3 | 0.5% | 100% | $208,333 | |
Guaranteed Rate, Inc.
|
Conventional, FHA | 3 | 0.5% | 100% | $241,666 | |
New Day Financial, LLC.
|
VA | 3 | 0.5% | 50% | $258,333 | |
Provident Funding Associates
|
Conventional | 3 | 0.5% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.5% | 100% | $318,333 | View |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 0.5% | 75% | $185,000 | |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.5% | 100% | $218,333 | View |
Goprime Mortgage, Inc.
|
Conventional, FHA | 3 | 0.5% | 100% | $221,666 | |
|
A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +1 HELOCs |
0.3% | 100% | $135,000 | View |
First Community Mortgage, Inc.
|
Conventional | 2 | 0.3% | 100% | $310,000 | |
Royal United Mortgage LLC
|
Conventional | 2 | 0.3% | 100% | $90,000 | |
Everett Financial, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $95,000 | |
Envoy Mortgage, Ltd
|
Conventional, FHA | 2 | 0.3% | 100% | $270,000 | |
loanDepot.com LLC
|
Conventional, VA | 2 | 0.3% | 66.7% | $145,000 | |
Das Acquisition Company, LLC
|
Conventional, USDA | 2 | 0.3% | 100% | $210,000 | |
Planet Home Lending, LLC
|
FHA | 2 | 0.3% | 100% | $225,000 | |
Pike Creek Mortgage Services, Inc.
|
FHA | 2 | 0.3% | 100% | $245,000 | |
Endeavor Capital, LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $175,000 | |
Zillow Home Loans, LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $235,000 | |
Prosperity Home Mortgage, LLC
|
Conventional | 2 | 0.3% | 50% | $165,000 | |
Geneva Financial LLC
|
Conventional, FHA | 2 | 0.3% | 100% | $175,000 | |
21St Mortgage
|
Conventional | 2 | 0.3% | 40% | $60,000 | |
Top Flite Financial, Inc.
|
Conventional, FHA | 2 | 0.3% | 100% | $455,000 | |
Village Capital & Investment
|
VA | 2 | 0.3% | 100% | $215,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 1 +2 HELOCs |
0.2% | 33.3% | $55,000 | |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.2% | 100% | $195,000 | |
SWBC Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $185,000 | |
Lakeview Loan Servicing, LLC
|
VA | 1 | 0.2% | 75% | $175,000 | |
Equity Prime Mortgage LLC
|
VA | 1 | 0.2% | 100% | $255,000 | |
ALCOVA Mortgage, LLC
|
Conventional | 1 | 0.2% | 100% | $165,000 | |
AdvantageFirst Lending Inc
|
FHA | 1 | 0.2% | 100% | $245,000 | |
SIRVA Mortgage, Inc.
|
VA | 1 | 0.2% | 100% | $235,000 | |
Calcon Mutual Mortgage LLC
|
FHA | 1 | 0.2% | 50% | $235,000 | |
Transportation Federal Credit Union
|
Conventional | 1 | 0.2% | 100% | $45,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.2% | 100% | $165,000 | View |
Churchill Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $285,000 | |
|
A+5.0 ★Texas Ratio: 1.10% |
VA | 1 | 0.2% | 100% | $245,000 | View |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
Better Mortgage Corporation
|
Conventional | 1 | 0.2% | 100% | $265,000 | |
Sente Mortgage, Inc.
|
FHA | 1 | 0.2% | 100% | $325,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.2% | 100% | $375,000 | |
|
B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.2% | 100% | $165,000 | View |
Lower, LLC
|
FHA | 1 | 0.2% | 50% | $365,000 | |
|
A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.2% | 100% | $95,000 | View |
Florida Capital Bank, N.A
|
Conventional | 1 | 0.2% | 100% | $305,000 | |
The Home Savings and Loan Company of Kenton, Ohio
|
Conventional | 1 | 0.2% | 100% | $155,000 | |
Paramount Residential Mortgage
|
Conventional | 1 | 0.2% | 100% | $245,000 | |
Figure Lending LLC
|
HELOC | 0 +2 HELOCs |
0% | n/a | ||
|
A5.0 ★Texas Ratio: 8.47% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Communityamerica Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Winchester 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 Winchester, Kentucky
Looking for mortgage lenders near me or mortgage brokers near me in Winchester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winchester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winchester, KY
Use these to narrow the list above. Each category shows how many Winchester, KY lenders fit and what that kind of lender is usually best for.
Who Lends in Winchester, KY
Independent mortgage companies closed 57.8 percent of home loans in Winchester, Kentucky in 2025, banks 36.1 percent and credit unions 6.1 percent. Stockton Mortgage Corporation was the largest mortgage company, Traditional Bank Inc the largest bank and Commonwealth Federal Credit Union the largest credit union. Among lenders headquartered in Kentucky, Traditional Bank Inc led with 38 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 Winchester, KY
By home loans closed in 2025, Traditional Bank Inc was the largest mortgage lender in Winchester, Kentucky with 38 loans, about 6.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Winchester, Kentucky, Rocket Mortgage approved the highest share of completed applications in 2025 at 76.1 percent, against a 84.1 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.
48 lenders closed FHA loans in Winchester, Kentucky in 2025, led by Republic State Mortgage Company with 16. 31 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 43 banks and 9 credit unions closed home loans in Winchester, Kentucky in 2025, alongside 59 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 Winchester, 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 Winchester, 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 Winchester. 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.
