Home purchase lenders in Kenton County
2,566 home purchase mortgages were made in Kenton County, Kentucky, in 2025, by 233 lenders. The median rate their borrowers got was 6.590% on a median loan of $245,000. Of 2,936 decisions, 305 were denials — 10.4%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| VICTORY MORTGAGE, L.L.C. | 255 | 6.125% | $305,000 | 3.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 149 | 6.624% | $265,000 | 5.7% |
| Guardian Savings Bank | 148 | 6.750% | $275,000 | 8.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 147 | 6.750% | $245,000 | 0.7% |
| UNION HOME MORTGAGE CORP. | 142 | 6.500% | $245,000 | 2.7% |
| STOCKTON MORTGAGE CORPORATION | 142 | 6.688% | $235,000 | 2.7% |
| FIRST EQUITY MORTGAGE INCORPORATED | 92 | 6.250% | $345,000 | 14.0% |
| The Huntington National Bank | 89 | 6.500% | $245,000 | 7.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | 85 | 6.000% | $175,000 | 0.0% |
| U.S. Bank National Association | 66 | 6.490% | $225,000 | 16.5% |
| GUARANTEED RATE, INC. | 48 | 6.613% | $245,000 | 3.9% |
| NFM, INC. | 47 | 6.990% | $245,000 | 4.1% |
| Rocket Mortgage, LLC | 46 | 6.500% | $225,000 | 13.2% |
| German American Bank | 45 | 6.750% | $205,000 | 2.2% |
| Prosperity Home Mortgage, LLC | 43 | 6.250% | $205,000 | 6.5% |
| Luminate Bank | 40 | 6.563% | $230,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 39 | 6.750% | $275,000 | 0.0% |
| Fifth Third Bank, National Association | 34 | 6.500% | $185,000 | 17.1% |
| Kiavi Funding, Inc. | 34 | 10.450% | $175,000 | 0.0% |
| Mortgage Research Center, LLC | 31 | 6.500% | $275,000 | 13.9% |
| First Financial Bank | 27 | 6.375% | $165,000 | 0.0% |
| Union Savings Bank | 25 | 6.750% | $405,000 | 3.9% |
| Truist Bank | 24 | 6.150% | $225,000 | 11.1% |
| GUARANTEED RATE AFFINITY, LLC | 24 | 6.625% | $255,000 | 0.0% |
| Republic Bank & Trust Company | 24 | 6.500% | $190,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 21 | 6.050% | $215,000 | 4.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 21 | 7.125% | $235,000 | 0.0% |
| THE LOAN STORE, INC. | 20 | 6.990% | $210,000 | 0.0% |
| Plains Commerce Bank | 19 | 6.625% | $245,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 19 | 6.750% | $235,000 | 0.0% |
| PNC Bank, National Association | 17 | 6.500% | $255,000 | 22.7% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 6.624% | $255,000 | 5.6% |
| JPMorgan Chase Bank, National Association | 16 | 6.438% | $270,000 | 11.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 16 | 6.990% | $230,000 | 15.8% |
| L & N Federal Credit Union | 14 | 6.625% | $245,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 14 | 6.375% | $185,000 | 6.7% |
| LOWER, LLC | 14 | 6.688% | $240,000 | 0.0% |
| Central Bank & Trust Company | 13 | 6.750% | $265,000 | 7.1% |
| CINFED Federal Credit Union | 12 | 6.625% | $225,000 | 7.7% |
| 21st Mortgage Corporation | 11 | 12.170% | $45,000 | 77.1% |
| Broker Solutions, Inc. | 11 | 6.990% | $185,000 | 8.3% |
| The State Bank and Trust Company | 11 | 6.625% | $245,000 | 8.3% |
| RiverHills Bank | 11 | 6.490% | $245,000 | 0.0% |
| NEWREZ LLC | 11 | 6.990% | $295,000 | 0.0% |
| Heritage Bank, Inc. | 11 | Not published | $175,000 | 0.0% |
| Liberty | 10 | 6.500% | $315,000 | 9.1% |
| Forcht Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Warsaw Federal Savings and Loan Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUPERIOR CREDIT UNION, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| RMC HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Ixonia Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 7 | Under 10 loans | Under 10 loans | 37.5% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LCNB National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First National Bank of Kentucky | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The North Side Bank & Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 22.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 84.6% |
| MOVEMENT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 30.0% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RAPID MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WesBanco Bank, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| KEMBA CREDIT UNION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 1st National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley Central Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 3RD STREET FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Cincinnatus Savings & Loan Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 78.4% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 73.9% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF KENTUCKY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELTA COMMUNITY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Community Trust Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORTRUST MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Merchants National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 54930002HD26G3OGZR79 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MASTERS OF INDIANA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Park Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Traditional Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sharefax Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS BANK OF KENTUCKY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| COMMONWEALTH | 0 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANCE CATHOLIC CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Spring Valley Bank | 0 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 33 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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. 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.