Mortgage lenders in Warren County
3,141 mortgages were made in Warren County, Kentucky, in 2025, by 275 lenders. The median rate their borrowers got was 6.625% on a median loan of $215,000. Of 3,930 decisions, 614 were denials — 15.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| SOUTH CENTRAL BANK, INC. | 244 | 7.500% | $140,000 | 6.5% |
| American Bank & Trust Company, Inc. | 237 | Not published | $205,000 | 3.6% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 174 | 6.433% | $265,000 | 0.0% |
| Rocket Mortgage, LLC | 170 | 6.625% | $205,000 | 19.4% |
| Liberty | 167 | 6.500% | $225,000 | 4.0% |
| U.S. Bank National Association | 150 | 7.850% | $145,000 | 30.6% |
| Abound Federal Credit Union | 140 | 7.000% | $175,000 | 19.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 120 | 6.625% | $275,000 | 7.0% |
| German American Bank | 98 | 0.000% | $105,000 | 9.9% |
| Truist Bank | 68 | 6.600% | $115,000 | 37.2% |
| UNION HOME MORTGAGE CORP. | 64 | 6.313% | $265,000 | 3.0% |
| FBC MORTGAGE, LLC | 62 | 4.990% | $335,000 | 4.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 60 | 6.000% | $255,000 | 14.9% |
| Independence Bank of Kentucky | 55 | 7.000% | $165,000 | 13.4% |
| Franklin Bank & Trust Company | 55 | Not published | $205,000 | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 48 | 6.625% | $225,000 | 10.9% |
| First Southern National Bank | 48 | 7.325% | $145,000 | 0.0% |
| Mortgage Research Center, LLC | 45 | 6.125% | $295,000 | 29.2% |
| FirstBank | 44 | 6.938% | $210,000 | 6.0% |
| Farmers Bank and Trust Company | 44 | Not published | $225,000 | 0.0% |
| Bank of Edmonson County | 44 | Not published | $175,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 43 | 6.125% | $245,000 | 15.1% |
| Edmonton State Bank | 39 | Not published | $265,000 | 27.3% |
| PNC Bank, National Association | 38 | 7.565% | $75,000 | 32.8% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.250% | $265,000 | 18.4% |
| NEWREZ LLC | 34 | 6.250% | $290,000 | 26.1% |
| Magnolia Bank, Incorporated | 32 | 6.490% | $235,000 | 3.0% |
| Morgantown Bank & Trust Company, Incorporated | 30 | 6.950% | $220,000 | 0.0% |
| Pinnacle Bank | 29 | 6.500% | $185,000 | 13.5% |
| KIND LENDING, LLC | 28 | 6.438% | $235,000 | 6.5% |
| JPMorgan Chase Bank, National Association | 23 | 6.490% | $235,000 | 11.5% |
| NATIONSTAR MORTGAGE LLC | 23 | 7.375% | $165,000 | 11.5% |
| Citizens Bank, National Association | 21 | 7.650% | $105,000 | 19.2% |
| MOVEMENT MORTGAGE, LLC | 21 | 6.625% | $205,000 | 7.7% |
| DHI MORTGAGE COMPANY, LTD. | 19 | 5.500% | $305,000 | 20.8% |
| Loandepot.Com, LLC | 18 | 6.495% | $170,000 | 13.6% |
| Navy Federal Credit Union | 17 | 6.375% | $245,000 | 29.2% |
| EVERETT FINANCIAL, INC. | 17 | 6.875% | $195,000 | 10.5% |
| AmeriSave Mortgage Corporation | 16 | 7.375% | $95,000 | 57.9% |
| Broker Solutions, Inc. | 15 | 6.990% | $225,000 | 34.8% |
| Fifth Third Bank, National Association | 15 | 7.750% | $95,000 | 11.1% |
| Peoples Bank | 14 | 7.308% | $95,000 | 37.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 13 | 8.750% | $165,000 | 70.2% |
| BAY EQUITY LLC | 13 | 6.875% | $215,000 | 23.5% |
| Service One Credit Union, Inc. | 11 | 6.125% | $225,000 | 7.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.370% | $225,000 | 21.4% |
| The Monticello Banking Company | 10 | Not published | $285,000 | 9.1% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 10 | 6.563% | $270,000 | 0.0% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Farm Credit Mid-America | 9 | Under 10 loans | Under 10 loans | 10.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| USAA Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 25.0% |
| COMMONWEALTH | 8 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Paramount Residential Mortgage Group, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 7 | Under 10 loans | Under 10 loans | 55.6% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 6 | Under 10 loans | Under 10 loans | 72.7% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 27.8% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 46.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SIRVA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Cecilian Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 15.4% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Community Trust Bank, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIGURE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 38.5% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LEADERONE FINANCIAL CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PREMIER LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fortera Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| UNIVERSITY OF KENTUCKY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SFMC, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ACOPIA, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RIGHT START MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AUTOTRUCK FINANCIAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GERSHMAN INVESTMENT CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Banterra Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Legends Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First United Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 81.8% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ASCEND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOWNE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Deposit Bank of Arlington Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Orion Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Macon Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYPOINT Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Volunteer State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEMBA CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Planters Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Studio Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 75 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Warren County
54 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| American Bank & Trust Company, Inc. | 6 | $800.0 million |
| U.S. Bank National Association | 5 | $529.4 million |
| South Central Bank, Inc. | 5 | $281.6 million |
| German American Bank | 4 | $266.4 million |
| Truist Bank | 3 | $425.0 million |
| Franklin Bank & Trust Company | 3 | $228.1 million |
| PNC Bank, National Association | 3 | $193.2 million |
| FirstBank | 3 | $150.2 million |
| Morgantown Bank & Trust Company, Incorporated | 3 | $94.3 million |
| Independence Bank of Kentucky | 2 | $311.5 million |
| Bank of Edmonson County | 2 | $76.3 million |
| Edmonton State Bank | 2 | $42.6 million |
| The Monticello Banking Company | 2 | $39.3 million |
| Fifth Third Bank, National Association | 2 | $34.2 million |
| Woodforest National Bank | 2 | $3.8 million |
| Pinnacle Bank | 1 | $199.3 million |
| Farmers Bank and Trust Company | 1 | $134.3 million |
| JPMorgan Chase Bank, National Association | 1 | $107.0 million |
| First Southern National Bank | 1 | $29.9 million |
| Peoples Bank | 1 | $27.2 million |
| First Financial Bank, National Association | 1 | $14.0 million |
| The Farmers National Bank of Danville | 1 | $0 |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Pinnacle Bank, 360 E. 8th Avenue, Suite 305, Bowling Green
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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.