Mortgage lenders in Kenton County
5,218 mortgages were made in Kenton County, Kentucky, in 2025, by 311 lenders. The median rate their borrowers got was 6.750% on a median loan of $195,000. Of 6,736 decisions, 1,283 were denials — 19.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Fifth Third Bank, National Association | 311 | 7.750% | $105,000 | 27.1% |
| The Huntington National Bank | 310 | 7.490% | $145,000 | 27.5% |
| Guardian Savings Bank | 306 | 6.750% | $225,000 | 11.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 265 | 6.375% | $245,000 | 7.3% |
| VICTORY MORTGAGE, L.L.C. | 259 | 6.125% | $305,000 | 3.0% |
| U.S. Bank National Association | 226 | 7.850% | $105,000 | 33.9% |
| Rocket Mortgage, LLC | 219 | 6.875% | $165,000 | 16.7% |
| STOCKTON MORTGAGE CORPORATION | 175 | 6.625% | $235,000 | 4.9% |
| UNION HOME MORTGAGE CORP. | 167 | 6.500% | $235,000 | 5.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 167 | 6.750% | $245,000 | 1.7% |
| PNC Bank, National Association | 112 | 7.555% | $80,000 | 21.9% |
| SUCCESS MORTGAGE PARTNERS, INC. | 94 | 6.063% | $175,000 | 0.0% |
| FIRST EQUITY MORTGAGE INCORPORATED | 93 | 6.250% | $345,000 | 13.9% |
| Heritage Bank, Inc. | 76 | Not published | $105,000 | 24.8% |
| Truist Bank | 73 | 6.340% | $125,000 | 42.7% |
| German American Bank | 73 | 6.750% | $185,000 | 6.4% |
| First Financial Bank | 67 | 5.990% | $125,000 | 26.9% |
| CINFED Federal Credit Union | 65 | 7.250% | $85,000 | 14.8% |
| PENNYMAC LOAN SERVICES, LLC | 64 | 6.562% | $225,000 | 16.5% |
| Third Federal Savings and Loan Association of Cleveland | 62 | 6.920% | $145,000 | 17.7% |
| GUARANTEED RATE, INC. | 59 | 6.600% | $245,000 | 3.2% |
| Union Savings Bank | 56 | 6.625% | $215,000 | 1.7% |
| FREEDOM MORTGAGE CORPORATION | 55 | 6.375% | $225,000 | 9.3% |
| GENERAL ELECTRIC CREDIT UNION | 54 | 5.990% | $85,000 | 5.0% |
| Republic Bank & Trust Company | 53 | 5.990% | $165,000 | 12.9% |
| NFM, INC. | 52 | 6.933% | $245,000 | 3.7% |
| L & N Federal Credit Union | 51 | 7.000% | $125,000 | 11.7% |
| Prosperity Home Mortgage, LLC | 50 | 6.313% | $200,000 | 8.9% |
| Kiavi Funding, Inc. | 48 | 9.950% | $170,000 | 11.1% |
| MM LENDING, LLC | 47 | 12.000% | $165,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 46 | 6.625% | $270,000 | 0.0% |
| Central Bank & Trust Company | 46 | 7.500% | $230,000 | 8.0% |
| Mortgage Research Center, LLC | 44 | 6.250% | $280,000 | 35.3% |
| Luminate Bank | 42 | 6.500% | $230,000 | 0.0% |
| NEWREZ LLC | 39 | 6.625% | $225,000 | 36.1% |
| NATIONSTAR MORTGAGE LLC | 38 | 7.558% | $95,000 | 2.6% |
| Loandepot.Com, LLC | 30 | 6.933% | $105,000 | 31.3% |
| JPMorgan Chase Bank, National Association | 29 | 6.500% | $225,000 | 12.1% |
| KEMBA CREDIT UNION, INC. | 29 | 7.500% | $115,000 | 23.1% |
| Stock Yards Bank & Trust Company | 29 | 6.500% | $195,000 | 14.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 26 | 7.063% | $245,000 | 0.0% |
| Coastal Community Bank | 25 | 11.490% | $55,000 | 3.1% |
| AmeriSave Mortgage Corporation | 25 | 7.875% | $75,000 | 55.7% |
| GUARANTEED RATE AFFINITY, LLC | 24 | 6.625% | $255,000 | 0.0% |
| THE LOAN STORE, INC. | 23 | 6.990% | $215,000 | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 22 | 6.625% | $225,000 | 0.0% |
| Navy Federal Credit Union | 21 | 7.900% | $155,000 | 36.4% |
| Plains Commerce Bank | 21 | 6.625% | $255,000 | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 20 | 6.870% | $260,000 | 20.0% |
| 254900CTT87ZKAUTIJ37 | 19 | 7.875% | $185,000 | 0.0% |
| SPRING EQ, LLC | 18 | 9.263% | $70,000 | 60.0% |
| FIGURE LENDING LLC | 18 | 9.500% | $60,000 | 23.1% |
| Citizens Bank, National Association | 18 | 8.775% | $70,000 | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 18 | 6.313% | $220,000 | 17.4% |
| WesBanco Bank, Inc. | 18 | 3.990% | $205,000 | 17.4% |
| LOWER, LLC | 17 | 6.625% | $235,000 | 10.0% |
| Broker Solutions, Inc. | 16 | 6.933% | $185,000 | 29.2% |
| CARRINGTON MORTGAGE SERVICES, LLC | 16 | 8.375% | $115,000 | 51.4% |
| Fairway Independent Mortgage Corporation | 16 | 6.370% | $220,000 | 5.9% |
| Lendage, LLC | 16 | 11.313% | $60,000 | 0.0% |
| The State Bank and Trust Company | 14 | 6.375% | $240,000 | 12.5% |
| The North Side Bank & Trust Company | 14 | 7.000% | $135,000 | 11.1% |
| First National Bank of Kentucky | 14 | Not published | $255,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.750% | $195,000 | 44.4% |
| COMMONWEALTH | 12 | 8.375% | $55,000 | 35.0% |
| Forcht Bank, National Association | 12 | 6.750% | $325,000 | 14.3% |
| Loan Funder LLC | 12 | 8.060% | $175,000 | 0.0% |
| Liberty | 12 | 6.500% | $285,000 | 14.3% |
| Warsaw Federal Savings and Loan Association | 12 | 6.400% | $280,000 | 7.7% |
| RiverHills Bank | 12 | 6.495% | $240,000 | 0.0% |
| 21st Mortgage Corporation | 11 | 12.170% | $45,000 | 77.6% |
| SUPERIOR CREDIT UNION, INC. | 11 | 6.250% | $205,000 | 0.0% |
| POLARIS HOME FUNDING CORP. | 11 | 6.375% | $175,000 | 0.0% |
| LENDINGONE, LLC | 10 | 7.130% | $175,000 | 33.3% |
| SIBCY CLINE MORTGAGE SERVICES, INC. | 10 | 6.438% | $275,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 6.125% | $185,000 | 28.6% |
| The Park National Bank | 10 | 6.500% | $165,000 | 9.1% |
| Ixonia Bank | 10 | 7.188% | $305,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 52.6% |
| Bank of America, National Association | 9 | Under 10 loans | Under 10 loans | 62.5% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LCNB National Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DAS Acquisition Company, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| RMC HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Park Lane Finance Solutions, LLC | 7 | Under 10 loans | Under 10 loans | 37.5% |
| BETTER MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Farm Credit Mid-America | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Commonwealth Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| T2 FINANCIAL LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 5 | Under 10 loans | Under 10 loans | 84.6% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 84.4% |
| DELTA COMMUNITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 54.6% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| 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% |
| RAPID MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 14.3% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CINCINNATI OHIO POLICE | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNIVERSITY OF KENTUCKY | 4 | Under 10 loans | Under 10 loans | 42.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| 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% |
| KeyBank National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Civista Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank of West Virginia | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Connexus Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Community Trust Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 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% |
| Sharefax Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 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% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Mortgage Right | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valley Central Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 3RD STREET FINANCIAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park Federal Credit Union | 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% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United States Senate Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 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% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| 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% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Strong Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 111 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Kenton County
45 FDIC-insured branches from 18 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| U.S. Bank National Association | 7 | $699.7 million |
| Fifth Third Bank, National Association | 5 | $881.7 million |
| Heritage Bank, Inc. | 5 | $540.9 million |
| The Huntington National Bank | 5 | $496.6 million |
| Truist Bank | 4 | $484.3 million |
| PNC Bank, National Association | 3 | $266.0 million |
| First Financial Bank | 2 | $176.1 million |
| Republic Bank & Trust Company | 2 | $121.9 million |
| Central Bank & Trust Co. | 2 | $109.1 million |
| JPMorgan Chase Bank, National Association | 2 | $81.3 million |
| Guardian Savings Bank | 1 | $104.1 million |
| Bank of America, National Association | 1 | $69.4 million |
| German American Bank | 1 | $64.1 million |
| Stock Yards Bank & Trust Company | 1 | $49.2 million |
| Citizens Federal Savings and Loan Association | 1 | $28.1 million |
| FIRST NATIONAL BANK OF KENTUCKY | 1 | $27.5 million |
| Home Savings Bank, FSB | 1 | $20.1 million |
| The First National Bank of Williamson | 1 | $0 |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Fifth Third Bank, National Association, 2156 Dixie Hwy, Fort Mitchell
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When the next year’s lending figures are out for Kenton 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.