Mortgage lenders in Hardin County
3,136 mortgages were made in Hardin County, Kentucky, in 2025, by 219 lenders. The median rate their borrowers got was 6.500% on a median loan of $215,000. Of 4,114 decisions, 796 were denials — 19.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Abound Federal Credit Union | 352 | 7.000% | $115,000 | 15.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 313 | 6.124% | $285,000 | 7.7% |
| The Cecilian Bank | 200 | 7.500% | $105,000 | 5.9% |
| Rocket Mortgage, LLC | 193 | 6.500% | $175,000 | 17.2% |
| SOUTH CENTRAL BANK, INC. | 185 | 6.500% | $225,000 | 4.6% |
| West Point Bank | 167 | Not published | $155,000 | 8.8% |
| Mortgage Research Center, LLC | 159 | 6.125% | $315,000 | 16.4% |
| FREEDOM MORTGAGE CORPORATION | 98 | 6.125% | $275,000 | 15.0% |
| Navy Federal Credit Union | 89 | 6.625% | $175,000 | 32.6% |
| WesBanco Bank, Inc. | 75 | 3.990% | $105,000 | 23.1% |
| DHI MORTGAGE COMPANY, LTD. | 68 | 5.500% | $315,000 | 9.3% |
| Northpointe Bank | 56 | 6.625% | $260,000 | 8.2% |
| Magnolia Bank, Incorporated | 53 | 6.950% | $215,000 | 10.2% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 5.990% | $245,000 | 15.9% |
| PNC Bank, National Association | 49 | 7.440% | $85,000 | 19.7% |
| Wilson & Muir Bank & Trust Company | 41 | Not published | $225,000 | 2.4% |
| PREMIER LENDING, INC. | 40 | 6.250% | $250,000 | 0.0% |
| EVERETT FINANCIAL, INC. | 36 | 6.250% | $155,000 | 12.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 35 | 6.125% | $315,000 | 7.9% |
| NATIONSTAR MORTGAGE LLC | 35 | 7.990% | $105,000 | 12.2% |
| INSPIRE HOME LOANS INC. | 34 | 6.000% | $255,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 28 | 6.250% | $235,000 | 9.4% |
| UNION HOME MORTGAGE CORP. | 26 | 6.375% | $285,000 | 16.1% |
| Meade County Bank | 25 | Not published | $165,000 | 7.4% |
| NEW DAY FINANCIAL, LLC | 24 | 6.990% | $225,000 | 46.9% |
| PLAZA HOME MORTGAGE, INC. | 21 | 6.490% | $295,000 | 33.3% |
| German American Bank | 21 | 0.000% | $195,000 | 26.7% |
| JPMorgan Chase Bank, National Association | 20 | 6.495% | $205,000 | 16.7% |
| AmeriSave Mortgage Corporation | 19 | 8.250% | $85,000 | 60.0% |
| Loandepot.Com, LLC | 18 | 6.375% | $170,000 | 31.0% |
| Fairway Independent Mortgage Corporation | 18 | 6.125% | $230,000 | 0.0% |
| Stock Yards Bank & Trust Company | 17 | 6.500% | $215,000 | 22.7% |
| Community Trust Bank, Inc. | 17 | 7.000% | $135,000 | 15.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 6.500% | $180,000 | 44.1% |
| LAKEVIEW LOAN SERVICING, LLC | 16 | 6.250% | $265,000 | 33.3% |
| Broker Solutions, Inc. | 15 | 6.750% | $255,000 | 25.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 14 | 9.870% | $115,000 | 80.5% |
| USAA Federal Savings Bank | 14 | 6.125% | $295,000 | 30.0% |
| STOCKTON MORTGAGE CORPORATION | 13 | 6.625% | $255,000 | 18.8% |
| Peoples Bank | 12 | 7.500% | $35,000 | 30.0% |
| KIND LENDING, LLC | 12 | 6.625% | $230,000 | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 11 | 5.750% | $285,000 | 43.3% |
| Fifth Third Bank, National Association | 11 | 6.750% | $145,000 | 42.9% |
| NEWREZ LLC | 10 | 6.495% | $185,000 | 52.4% |
| The Federal Savings Bank | 10 | 7.250% | $330,000 | 23.1% |
| Farm Credit Mid-America | 10 | 6.875% | $560,000 | 23.1% |
| PLANET HOME LENDING, LLC | 10 | 6.120% | $265,000 | 16.7% |
| Lendage, LLC | 10 | 10.625% | $55,000 | 0.0% |
| CMG MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| FIGURE LENDING LLC | 9 | Under 10 loans | Under 10 loans | 22.2% |
| GUARANTEED RATE, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 42.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| L & N Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 7 | Under 10 loans | Under 10 loans | 3.6% |
| The Lincoln National Bank of Hodgenville | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 65.0% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 70.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COMMONWEALTH | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 44.4% |
| UNIVERSITY OF KENTUCKY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Mortgage Right | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| TRIAD FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Texana Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Park Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Central Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fortera Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Town & Country Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Buffalo | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Edmonson County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Harrison Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoPrime Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ECLIPSE BANK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 3RD STREET FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Southern National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS HERITAGE Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florida Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MM LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 88.2% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 85.7% |
| Park Lane Finance Solutions, LLC | 0 | Under 10 loans | Under 10 loans | 42.9% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 33.3% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ZILLOW HOME LOANS, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Baxter Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Strong Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Service Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Copper State Credit Union | 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. Another 19 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Hardin County
30 FDIC-insured branches from 13 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| The Cecilian Bank | 9 | $627.3 million |
| West Point Bank | 5 | $475.7 million |
| WesBanco Bank, Inc. | 4 | $442.5 million |
| South Central Bank, Inc. | 2 | $273.6 million |
| Wilson & Muir Bank & Trust Company | 2 | $69.2 million |
| JPMorgan Chase Bank, National Association | 1 | $231.4 million |
| Magnolia Bank, Incorporated | 1 | $222.3 million |
| PNC Bank, National Association | 1 | $157.2 million |
| Armed Forces Bank, National Association | 1 | $89.9 million |
| Peoples Bank | 1 | $37.2 million |
| German American Bank | 1 | $28.8 million |
| Community Trust Bank, Inc. | 1 | $14.2 million |
| Woodforest National Bank | 1 | $2.3 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.