Mortgage lenders in Boone County
4,300 mortgages were made in Boone County, Kentucky, in 2025, by 286 lenders. The median rate their borrowers got was 6.750% on a median loan of $215,000. Of 5,774 decisions, 1,227 were denials — 21.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Fifth Third Bank, National Association | 309 | 7.750% | $105,000 | 25.9% |
| Rocket Mortgage, LLC | 259 | 6.750% | $205,000 | 14.7% |
| The Huntington National Bank | 249 | 7.340% | $155,000 | 25.5% |
| Guardian Savings Bank | 217 | 6.750% | $255,000 | 8.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 181 | 6.499% | $315,000 | 11.7% |
| VICTORY MORTGAGE, L.L.C. | 161 | 6.125% | $325,000 | 4.2% |
| U.S. Bank National Association | 152 | 7.638% | $115,000 | 36.8% |
| FIRST EQUITY MORTGAGE INCORPORATED | 148 | 6.375% | $345,000 | 16.9% |
| UNION HOME MORTGAGE CORP. | 140 | 6.500% | $255,000 | 5.2% |
| STOCKTON MORTGAGE CORPORATION | 130 | 6.625% | $265,000 | 4.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 104 | 6.625% | $265,000 | 2.8% |
| First Financial Bank | 95 | 5.990% | $85,000 | 21.1% |
| PNC Bank, National Association | 83 | 7.750% | $105,000 | 24.8% |
| Heritage Bank, Inc. | 81 | Not published | $105,000 | 21.4% |
| German American Bank | 71 | 6.500% | $195,000 | 10.1% |
| Truist Bank | 61 | 6.375% | $105,000 | 40.8% |
| FREEDOM MORTGAGE CORPORATION | 61 | 6.250% | $275,000 | 8.5% |
| PENNYMAC LOAN SERVICES, LLC | 60 | 6.499% | $255,000 | 12.7% |
| Third Federal Savings and Loan Association of Cleveland | 59 | 6.890% | $125,000 | 24.7% |
| GENERAL ELECTRIC CREDIT UNION | 55 | 5.990% | $75,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 55 | 6.490% | $195,000 | 9.8% |
| NFM, INC. | 55 | 6.750% | $295,000 | 0.0% |
| GUARANTEED RATE, INC. | 51 | 6.550% | $295,000 | 10.3% |
| Union Savings Bank | 48 | 6.500% | $225,000 | 2.0% |
| Prosperity Home Mortgage, LLC | 47 | 6.250% | $255,000 | 11.3% |
| L & N Federal Credit Union | 45 | 7.000% | $155,000 | 6.1% |
| NEWREZ LLC | 40 | 6.750% | $205,000 | 34.4% |
| NATIONSTAR MORTGAGE LLC | 40 | 8.188% | $115,000 | 10.9% |
| Navy Federal Credit Union | 39 | 7.250% | $185,000 | 18.4% |
| CINFED Federal Credit Union | 39 | 7.000% | $145,000 | 17.0% |
| Mortgage Research Center, LLC | 36 | 6.250% | $335,000 | 33.9% |
| KEMBA CREDIT UNION, INC. | 36 | 7.500% | $95,000 | 29.4% |
| SUCCESS MORTGAGE PARTNERS, INC. | 30 | 6.313% | $215,000 | 0.0% |
| Loandepot.Com, LLC | 28 | 6.870% | $145,000 | 23.1% |
| Republic Bank & Trust Company | 28 | 5.990% | $205,000 | 17.1% |
| Central Bank & Trust Company | 27 | 7.500% | $205,000 | 6.9% |
| AmeriSave Mortgage Corporation | 26 | 8.813% | $70,000 | 48.1% |
| Stock Yards Bank & Trust Company | 26 | 6.500% | $215,000 | 21.2% |
| 21st Mortgage Corporation | 23 | 11.230% | $65,000 | 81.3% |
| Fairway Independent Mortgage Corporation | 23 | 6.625% | $275,000 | 4.2% |
| Luminate Bank | 22 | 6.750% | $265,000 | 4.2% |
| THE LOAN STORE, INC. | 21 | 6.875% | $245,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 20 | 6.750% | $265,000 | 13.0% |
| GUARANTEED RATE AFFINITY, LLC | 19 | 6.750% | $305,000 | 16.0% |
| Broker Solutions, Inc. | 18 | 6.813% | $190,000 | 21.7% |
| SPRING EQ, LLC | 18 | 9.325% | $75,000 | 40.0% |
| FIGURE LENDING LLC | 18 | 9.400% | $55,000 | 24.2% |
| Citizens Bank, National Association | 18 | 7.900% | $120,000 | 25.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 17 | 8.240% | $125,000 | 10.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 17 | 6.750% | $295,000 | 0.0% |
| Lendage, LLC | 15 | 10.500% | $65,000 | 22.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 7.625% | $120,000 | 35.7% |
| Kiavi Funding, Inc. | 14 | 10.470% | $175,000 | 11.8% |
| WesBanco Bank, Inc. | 14 | 3.990% | $95,000 | 21.1% |
| Plains Commerce Bank | 14 | 6.688% | $305,000 | 6.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 13 | 5.990% | $295,000 | 22.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 13 | 6.990% | $295,000 | 0.0% |
| Coastal Community Bank | 12 | 9.490% | $65,000 | 5.5% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.250% | $270,000 | 54.6% |
| DELTA COMMUNITY CREDIT UNION | 12 | 6.375% | $160,000 | 20.0% |
| PLANET HOME LENDING, LLC | 12 | 6.120% | $270,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 11 | 10.990% | $75,000 | 80.3% |
| POLARIS HOME FUNDING CORP. | 11 | 6.500% | $215,000 | 26.7% |
| Park Lane Finance Solutions, LLC | 10 | 11.490% | $75,000 | 31.3% |
| UNIVERSITY OF KENTUCKY | 10 | 6.750% | $165,000 | 21.4% |
| MM LENDING, LLC | 10 | 12.000% | $185,000 | 0.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 35.7% |
| Forcht Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| First National Bank of Kentucky | 9 | Under 10 loans | Under 10 loans | 9.1% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| COMMONWEALTH | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Community Trust Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 75.9% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CHURCHILL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RiverHills Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Civista Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 30.8% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| GUIDANCE RESIDENTIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Liberty | 5 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| RUOFF MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Peoples Exchange Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The State Bank and Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The North Side Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CINCINNATI OHIO POLICE | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RAPID MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DAS Acquisition Company, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Regions Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 1st National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Warsaw Federal Savings and Loan Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 77.6% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 2 | Under 10 loans | Under 10 loans | 71.4% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 55.6% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUPERIOR CREDIT UNION, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sharefax Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Abound Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Cincinnatus Savings & Loan Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stride Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 70.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Trustmark National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Brooksville | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 86 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Boone County
42 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Fifth Third Bank, National Association | 7 | $797.1 million |
| Heritage Bank, Inc. | 5 | $796.5 million |
| The Huntington National Bank | 5 | $504.0 million |
| U.S. Bank National Association | 4 | $372.4 million |
| JPMorgan Chase Bank, National Association | 3 | $295.3 million |
| PNC Bank, National Association | 3 | $283.9 million |
| Truist Bank | 3 | $219.8 million |
| Central Bank & Trust Co. | 2 | $265.7 million |
| First Financial Bank | 2 | $152.4 million |
| Stock Yards Bank & Trust Company | 1 | $106.8 million |
| Guardian Savings Bank | 1 | $97.5 million |
| Forcht Bank, National Association | 1 | $70.9 million |
| Republic Bank & Trust Company | 1 | $41.6 million |
| German American Bank | 1 | $39.1 million |
| FIRST NATIONAL BANK OF KENTUCKY | 1 | $13.8 million |
| Community Trust Bank, Inc. | 1 | $13.2 million |
| Peoples Exchange Bank | 1 | $9.5 million |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.