Mortgage lenders in Breckinridge County
390 mortgages were made in Breckinridge County, Kentucky, in 2025, by 127 lenders. The median rate their borrowers got was 6.875% on a median loan of $145,000. Of 558 decisions, 148 were denials — 26.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Cecilian Bank | 83 | 7.500% | $95,000 | 9.4% |
| Rocket Mortgage, LLC | 23 | 6.875% | $135,000 | 20.7% |
| Meade County Bank | 19 | Not published | $135,000 | 15.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | 6.137% | $220,000 | 0.0% |
| Abound Federal Credit Union | 14 | 5.938% | $95,000 | 30.0% |
| Farm Credit Mid-America | 12 | 7.063% | $260,000 | 0.0% |
| Mortgage Research Center, LLC | 10 | 6.250% | $255,000 | 16.7% |
| PREMIER LENDING, INC. | 10 | 6.000% | $115,000 | 0.0% |
| West Point Bank | 10 | Not published | $175,000 | 9.1% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Liberty | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 21st Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 65.2% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | Under 10 loans | Under 10 loans | 73.3% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Loandepot.Com, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First Financial Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| NATIONSTAR MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOUTH CENTRAL BANK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 82.4% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 75.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lincoln National Bank of Hodgenville | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Harrison Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Sacramento Deposit Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgantown Bank & Trust Company, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Franklin Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Granite Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF KENTUCKY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 75.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| COMMONWEALTH | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| First Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIGURE LENDING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Fortera Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| German American Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTHWEST FUNDING, LP | 0 | Under 10 loans | Under 10 loans | Not published |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| NexBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Breckinridge County
6 FDIC-insured branches from 3 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First State Bank | 3 | $354.3 million |
| The Cecilian Bank | 2 | $187.5 million |
| First Financial Bank, National Association | 1 | $25.6 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.