Mortgage lenders in Oldham County
2,114 mortgages were made in Oldham County, Kentucky, in 2025, by 238 lenders. The median rate their borrowers got was 6.625% on a median loan of $275,000. Of 2,582 decisions, 363 were denials — 14.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 138 | 6.750% | $270,000 | 12.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 123 | 6.375% | $385,000 | 7.4% |
| Stock Yards Bank & Trust Company | 114 | 6.500% | $215,000 | 14.1% |
| PNC Bank, National Association | 113 | 7.750% | $105,000 | 18.2% |
| Fifth Third Bank, National Association | 109 | 7.500% | $105,000 | 21.0% |
| L & N Federal Credit Union | 89 | 7.000% | $125,000 | 6.3% |
| Northpointe Bank | 86 | 6.995% | $365,000 | 6.5% |
| Republic Bank & Trust Company | 84 | 5.990% | $250,000 | 4.5% |
| Liberty | 74 | 6.813% | $255,000 | 8.5% |
| PULTE MORTGAGE LLC | 43 | 5.500% | $335,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 34 | 6.500% | $395,000 | 8.1% |
| Fairway Independent Mortgage Corporation | 33 | 6.750% | $365,000 | 15.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 30 | 6.433% | $500,000 | 11.1% |
| First Financial Bank | 30 | 6.500% | $435,000 | 11.8% |
| UNIVERSITY OF KENTUCKY | 29 | 7.000% | $155,000 | 23.8% |
| THE LOAN STORE, INC. | 28 | 6.750% | $395,000 | 2.8% |
| PENNYMAC LOAN SERVICES, LLC | 27 | 6.375% | $295,000 | 9.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.575% | $375,000 | 3.9% |
| German American Bank | 25 | 0.000% | $215,000 | 16.1% |
| COMMONWEALTH | 24 | 7.250% | $115,000 | 35.1% |
| NATIONSTAR MORTGAGE LLC | 24 | 8.500% | $100,000 | 7.4% |
| Park Federal Credit Union | 23 | 7.500% | $195,000 | 8.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.375% | $425,000 | 4.2% |
| VICTORY MORTGAGE, L.L.C. | 21 | 5.750% | $355,000 | 0.0% |
| Navy Federal Credit Union | 20 | 7.850% | $130,000 | 16.7% |
| Central Bank & Trust Company | 20 | 7.500% | $120,000 | 16.0% |
| UNION HOME MORTGAGE CORP. | 19 | 6.625% | $375,000 | 9.1% |
| INTERLINC MORTGAGE SERVICES, LLC | 19 | 6.875% | $345,000 | 0.0% |
| U.S. Bank National Association | 18 | 7.725% | $255,000 | 40.0% |
| STOCKTON MORTGAGE CORPORATION | 18 | 6.625% | $300,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 17 | 5.750% | $345,000 | 13.6% |
| NEWREZ LLC | 17 | 8.000% | $105,000 | 10.5% |
| The Farmers Bank of Milton | 17 | Not published | $285,000 | 15.0% |
| Old National Bank | 15 | 5.850% | $285,000 | 6.3% |
| Broker Solutions, Inc. | 14 | 6.990% | $295,000 | 0.0% |
| KIND LENDING, LLC | 14 | 6.688% | $395,000 | 16.7% |
| SPRING EQ, LLC | 13 | 8.725% | $95,000 | 51.7% |
| LOWER, LLC | 13 | 6.125% | $345,000 | 7.1% |
| Abound Federal Credit Union | 13 | 5.875% | $445,000 | 23.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.500% | $415,000 | 0.0% |
| Magnolia Bank, Incorporated | 13 | 6.500% | $335,000 | 13.3% |
| Mortgage Research Center, LLC | 12 | 6.058% | $420,000 | 29.4% |
| Bank of America, National Association | 12 | 6.183% | $155,000 | 29.4% |
| Truist Bank | 12 | 6.613% | $205,000 | 40.9% |
| Wilson & Muir Bank & Trust Company | 12 | Not published | $355,000 | 0.0% |
| AmeriSave Mortgage Corporation | 10 | 7.625% | $115,000 | 56.5% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.625% | $420,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 10 | 6.563% | $355,000 | 0.0% |
| EMM LOANS LLC | 10 | 6.750% | $210,000 | 0.0% |
| Farm Credit Mid-America | 10 | 6.813% | $480,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 2.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 8.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FIGURE LENDING LLC | 8 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Citizens Bank, National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Guardian Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CMG MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 10.0% |
| TRANSCEND Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Kentucky | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 53.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 36.4% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Traditional Bank, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH CENTRAL BANK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 37.5% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| River City Bank, Inc. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| THE MORTGAGE WAREHOUSE,LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Citizens Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CLASS ACT FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ECLIPSE BANK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Harrison Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 81.8% |
| GUARANTEED RATE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AUTOTRUCK FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANZ Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bedford Loan & Deposit Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Paducah Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549004XDCE3LGQW7H72 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Trust Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATOMIC CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MYCUMORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgantown Bank & Trust Company, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Iroquois Federal Savings and Loan Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Planters Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliant Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cumberland Valley National Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Southern First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Exchange Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blaze Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA MEMBERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cadence Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 0 | Under 10 loans | Under 10 loans | 40.0% |
| Publix Employees Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 66.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 38 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Oldham County
14 FDIC-insured branches from 10 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Stock Yards Bank & Trust Company | 3 | $528.2 million |
| PNC Bank, National Association | 2 | $404.2 million |
| The Farmers Bank of Milton | 2 | $76.9 million |
| JPMorgan Chase Bank, National Association | 1 | $70.4 million |
| Fifth Third Bank, National Association | 1 | $58.5 million |
| German American Bank | 1 | $31.4 million |
| Bedford Loan & Deposit Bank | 1 | $28.5 million |
| FIRST NATIONAL BANK OF KENTUCKY | 1 | $15.0 million |
| United Citizens Bank & Trust Company | 1 | $13.5 million |
| Woodforest National Bank | 1 | $4.2 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.