Top Mortgage Lenders in Kentucky (2025)
In 2025, 751 lenders made 100,358 home loans worth $23.6 billion in Kentucky, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 15.3% of them. United Wholesale Mortgage made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Kentucky, 2025
Ranked by the number of home loans each lender made (originated) in Kentucky in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 5,242 | $1.4B | $265,000 | 5.2% | 11.2% |
| 2 | Fifth Third Bank, National Association Cincinnati, OH | 3,150 | $451.6M | $143,000 | 3.1% | 30.7% |
| 3 | US Bank, N.A. Cincinnati, OH | 2,645 | $460.5M | $174,000 | 2.6% | 34.8% |
| 4 | Stockton Mortgage Corporation Frankfort, KY | 2,250 | $549.4M | $244,000 | 2.2% | 8.1% |
| 5 | PNC Bank N.A. Pittsburgh, PA | 2,095 | $332.2M | $159,000 | 2.1% | 28.2% |
| 6 | Community Trust Bank, Inc. Pikeville, KY | 2,051 | $401.6M | $196,000 | 2.0% | 14.0% |
| 7 | Stock Yards Bank & Trust Company Louisville, KY | 2,044 | $498.7M | $244,000 | 2.0% | 22.5% |
| 8 | Commonwealth Federal Credit Union Frankfort, KY | 1,869 | $289.7M | $155,000 | 1.9% | 30.0% |
| 9 | Mortgage Research Center Columbia, MO | 1,786 | $486.4M | $272,000 | 1.8% | 26.5% |
| 10 | Liberty Federal Credit Union Louisville, KY | 1,771 | $406.7M | $230,000 | 1.8% | 7.0% |
| 11 | University of Ky FCU Lexington, KY | 1,710 | $235.3M | $138,000 | 1.7% | 25.4% |
| 12 | L&N Federal Credit Union Louisville, KY | 1,519 | $238.6M | $157,000 | 1.5% | 8.6% |
| 13 | Republic Bank & Trust Louisville, KY | 1,477 | $334.8M | $227,000 | 1.5% | 10.9% |
| 14 | Guardian Savings Bank West Chester, OH | 1,396 | $421.6M | $302,000 | 1.4% | 9.5% |
| 15 | Abound Federal Credit Union Radcliff, KY | 1,387 | $259.6M | $187,000 | 1.4% | 18.7% |
| 16 | South Central Bank Inc Glasgow, KY | 1,376 | $269.9M | $196,000 | 1.4% | 7.7% |
| 17 | Freedom Mortgage Corporation Boca Raton, FL | 1,270 | $333.2M | $262,000 | 1.3% | 14.6% |
| 18 | First Financial Bank Cincinnati, OH | 1,239 | $261.8M | $211,000 | 1.2% | 18.0% |
| 19 | Northpointe Bank Grand Rapids, MI | 1,184 | $311.9M | $263,000 | 1.2% | 12.6% |
| 20 | Ark-La-Tex Financial Services LLC Plano, TX | 1,179 | $286.0M | $243,000 | 1.2% | 4.3% |
| 21 | New American Funding, Llc. Tustin, CA | 1,165 | $220.9M | $190,000 | 1.2% | 16.0% |
| 22 | Vanderbilt Mortgage and Finance, Inc Maryville, TN | 1,150 | $199.6M | $174,000 | 1.1% | 73.2% |
| 23 | PennyMac Loan Services LLC Westlake Village, CA | 1,132 | $234.8M | $207,000 | 1.1% | 19.7% |
| 24 | German American Bank Jasper, IN | 1,097 | $214.8M | $196,000 | 1.1% | 16.9% |
| 25 | Union Home Mortgage Corp. Strongsville, OH | 1,069 | $281.0M | $263,000 | 1.1% | 8.2% |
Top Home Purchase Lenders in Kentucky
654 lenders made 51,624 home purchase loans worth $14.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 3,175 | 6.2% |
| 2 | Stockton Mortgage Corporation Frankfort, KY | 1,960 | 3.8% |
| 3 | US Bank, N.A. Cincinnati, OH | 1,400 | 2.7% |
| 4 | Mortgage Research Center Columbia, MO | 1,378 | 2.7% |
| 5 | Vanderbilt Mortgage and Finance, Inc Maryville, TN | 1,148 | 2.2% |
| 6 | Liberty Federal Credit Union Louisville, KY | 1,089 | 2.1% |
| 7 | Ark-La-Tex Financial Services LLC Plano, TX | 1,061 | 2.1% |
| 8 | Stock Yards Bank & Trust Company Louisville, KY | 1,033 | 2.0% |
| 9 | Community Trust Bank, Inc. Pikeville, KY | 978 | 1.9% |
| 10 | New American Funding, Llc. Tustin, CA | 913 | 1.8% |
Top Refinance Lenders in Kentucky
422 lenders made 16,659 refinance loans worth $4.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,228 | 7.4% |
| 2 | Fifth Third Bank, National Association Cincinnati, OH | 1,060 | 6.4% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 727 | 4.4% |
| 4 | University of Ky FCU Lexington, KY | 629 | 3.8% |
| 5 | PNC Bank N.A. Pittsburgh, PA | 567 | 3.4% |
| 6 | Community Trust Bank, Inc. Pikeville, KY | 419 | 2.5% |
| 7 | South Central Bank Inc Glasgow, KY | 372 | 2.2% |
| 8 | PennyMac Loan Services LLC Westlake Village, CA | 370 | 2.2% |
| 9 | Stock Yards Bank & Trust Company Louisville, KY | 370 | 2.2% |
| 10 | Guardian Savings Bank West Chester, OH | 296 | 1.8% |
Top Cash-Out Refinance Lenders in Kentucky
345 lenders made 13,146 cash-out refinance loans worth $2.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 839 | 6.4% |
| 2 | Amerisave Mortgage Company Sandy Springs, GA | 468 | 3.6% |
| 3 | Liberty Federal Credit Union Louisville, KY | 447 | 3.4% |
| 4 | Freedom Mortgage Corporation Boca Raton, FL | 407 | 3.1% |
| 5 | US Bank, N.A. Cincinnati, OH | 350 | 2.7% |
| 6 | Commonwealth Federal Credit Union Frankfort, KY | 347 | 2.6% |
| 7 | Abound Federal Credit Union Radcliff, KY | 293 | 2.2% |
| 8 | Republic Bank & Trust Louisville, KY | 285 | 2.2% |
| 9 | PennyMac Loan Services LLC Westlake Village, CA | 285 | 2.2% |
| 10 | loanDepot.com LLC Irvine, CA | 269 | 2.0% |
Top FHA Lenders in Kentucky
277 lenders made 14,500 FHA loans worth $3.6 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | United Wholesale Mortgage Plymouth, MI | 1,289 | 8.9% |
| 2 | Stockton Mortgage Corporation Frankfort, KY | 797 | 5.5% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 576 | 4.0% |
| 4 | New American Funding, Llc. Tustin, CA | 501 | 3.5% |
| 5 | PennyMac Loan Services LLC Westlake Village, CA | 435 | 3.0% |
| 6 | Ark-La-Tex Financial Services LLC Plano, TX | 380 | 2.6% |
| 7 | Liberty Federal Credit Union Louisville, KY | 322 | 2.2% |
| 8 | Union Home Mortgage Corp. Strongsville, OH | 278 | 1.9% |
| 9 | Crosscountry Mortgage, LLC Cleveland, OH | 258 | 1.8% |
| 10 | Magnolia Bank Hodgenville, KY | 230 | 1.6% |
Top VA Lenders in Kentucky
228 lenders made 8,054 VA loans worth $2.5 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Mortgage Research Center Columbia, MO | 1,611 | 20.0% |
| 2 | United Wholesale Mortgage Plymouth, MI | 1,016 | 12.6% |
| 3 | Freedom Mortgage Corporation Boca Raton, FL | 600 | 7.4% |
| 4 | Navy Federal Credit Union Vienna, VA | 249 | 3.1% |
| 5 | New Day Financial, Llc. West Palm Beach, FL | 212 | 2.6% |
| 6 | PennyMac Loan Services LLC Westlake Village, CA | 207 | 2.6% |
| 7 | Newrez LLC Fort Washington, PA | 145 | 1.8% |
| 8 | USAA Federal Savings Bank San Antonio, TX | 138 | 1.7% |
| 9 | Stockton Mortgage Corporation Frankfort, KY | 127 | 1.6% |
| 10 | Crosscountry Mortgage, LLC Cleveland, OH | 104 | 1.3% |
Top USDA Lenders in Kentucky
122 lenders made 1,339 USDA loans worth $253.1 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Stockton Mortgage Corporation Frankfort, KY | 152 | 11.4% |
| 2 | Equity Prime Mortgage LLC Atlanta, GA | 95 | 7.1% |
| 3 | Magnolia Bank Hodgenville, KY | 85 | 6.3% |
| 4 | United Wholesale Mortgage Plymouth, MI | 48 | 3.6% |
| 5 | Union Home Mortgage Corp. Strongsville, OH | 45 | 3.4% |
| 6 | Ark-La-Tex Financial Services LLC Plano, TX | 43 | 3.2% |
| 7 | T2 Financial LLC Westerville, OH | 36 | 2.7% |
| 8 | First Community Mortgage, Inc. Murfreesboro, TN | 34 | 2.5% |
| 9 | Kind Lending, LLC Irvine, CA | 32 | 2.4% |
| 10 | Liberty Federal Credit Union Louisville, KY | 32 | 2.4% |
Get the lender lists
The Kentucky mortgage lender list has the 239 lenders based in Kentucky, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($89 for 2025, $178 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Kentucky lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Kentucky.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Kentucky. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Kentucky
Kentucky mortgage data by county and metro area · mortgage lenders by city in Kentucky
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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