Mortgage lenders in Laurel County
1,050 mortgages were made in Laurel County, Kentucky, in 2025, by 162 lenders. The median rate their borrowers got was 6.875% on a median loan of $155,000. Of 1,907 decisions, 743 were denials — 39.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| L & N Federal Credit Union | 149 | 7.000% | $105,000 | 6.8% |
| Community Trust Bank, Inc. | 102 | 7.000% | $135,000 | 9.7% |
| Rocket Mortgage, LLC | 75 | 6.625% | $155,000 | 22.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 56 | 10.500% | $115,000 | 81.3% |
| POLARIS HOME FUNDING CORP. | 55 | 6.375% | $215,000 | 2.9% |
| PNC Bank, National Association | 34 | 7.325% | $105,000 | 45.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 33 | 6.750% | $215,000 | 23.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 30 | 6.050% | $235,000 | 21.4% |
| Cumberland Valley National Bank & Trust Company | 26 | Not published | $185,000 | 16.1% |
| 21st Mortgage Corporation | 24 | 8.985% | $130,000 | 76.9% |
| Mortgage Research Center, LLC | 24 | 6.250% | $260,000 | 20.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 23 | 6.125% | $245,000 | 11.5% |
| EVERETT FINANCIAL, INC. | 21 | 5.990% | $135,000 | 0.0% |
| Zippy Loans, LLC | 16 | 10.900% | $35,000 | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 16 | 6.250% | $250,000 | 23.1% |
| Forcht Bank, National Association | 16 | 7.438% | $150,000 | 33.3% |
| Broker Solutions, Inc. | 15 | 6.750% | $195,000 | 23.8% |
| PENNYMAC LOAN SERVICES, LLC | 15 | 6.250% | $165,000 | 26.1% |
| Magnolia Bank, Incorporated | 14 | 6.433% | $215,000 | 12.5% |
| Equity Prime Mortgage LLC | 13 | 6.250% | $175,000 | 13.3% |
| Truist Bank | 10 | 6.520% | $160,000 | 47.4% |
| The Monticello Banking Company | 10 | Not published | $105,000 | 33.3% |
| Commercial Bank | 10 | 6.700% | $120,000 | 16.7% |
| PLANET HOME LENDING, LLC | 10 | 6.313% | $165,000 | 9.1% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| FirstBank | 7 | Under 10 loans | Under 10 loans | 48.3% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 56.3% |
| FIGURE LENDING LLC | 7 | Under 10 loans | Under 10 loans | 18.2% |
| COMMONWEALTH | 6 | Under 10 loans | Under 10 loans | 41.7% |
| Fifth Third Bank, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Whitaker Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Y-12 Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| First State Bank of the Southeast, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| REPUBLIC STATE MORTGAGE CO. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 55.6% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Farm Credit Mid-America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JPMorgan Chase Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 3 | Under 10 loans | Under 10 loans | 6.7% |
| UNIVERSITY OF KENTUCKY | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GoPrime Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 58.1% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 79.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Hearthside Bank Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Abound Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Somerset | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 83.3% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENERAL ELECTRIC CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Appalachian Community Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Central Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS CHOICE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 91.0% |
| NEW DAY FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| RUOFF MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 33.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| BETTER MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Old National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTH CENTRAL BANK, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Barrington Bank & Trust Company, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| 2549005FUF02T1IFCA22 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Independence Bank of Kentucky | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| ARBOR REALTY TRUST, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Guardian Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Sharefax Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| City National Bank of West Virginia | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Exchange Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Beeline Loans, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL 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.
Bank branches in Laurel County
25 FDIC-insured branches from 12 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Cumberland Valley National Bank & Trust Company | 5 | $339.9 million |
| Commercial Bank | 5 | $236.9 million |
| Community Trust Bank, Inc. | 3 | $184.5 million |
| PNC Bank, National Association | 2 | $211.0 million |
| Forcht Bank, National Association | 2 | $109.0 million |
| Hometown Bank of Corbin, Inc. | 2 | $59.0 million |
| Truist Bank | 1 | $61.2 million |
| The First National Bank of Manchester | 1 | $40.8 million |
| 1st Trust Bank, Inc. | 1 | $40.0 million |
| The Monticello Banking Company | 1 | $6.3 million |
| Whitaker Bank | 1 | $4.9 million |
| Woodforest National Bank | 1 | $2.9 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Cumberland Valley National Bank & Trust Company, 1112 Highway 490, East Bernstadt
- First State Bank of the Southeast, Inc, 400 S Main St, London
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When the next year’s lending figures are out for Laurel County, or a lender arrives or leaves.
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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.