Mortgage lenders in Madison County
2,442 mortgages were made in Madison County, Kentucky, in 2025, by 263 lenders. The median rate their borrowers got was 6.625% on a median loan of $215,000. Of 3,292 decisions, 688 were denials — 20.9%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 156 | 6.625% | $245,000 | 1.9% |
| T2 FINANCIAL LLC | 155 | 6.375% | $255,000 | 3.5% |
| Rocket Mortgage, LLC | 150 | 6.625% | $195,000 | 17.3% |
| Whitaker Bank | 135 | 6.500% | $135,000 | 6.3% |
| U.S. Bank National Association | 115 | 6.875% | $155,000 | 26.6% |
| UNIVERSITY OF KENTUCKY | 92 | 7.000% | $95,000 | 22.9% |
| COMMONWEALTH | 79 | 7.250% | $85,000 | 29.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 71 | 6.000% | $265,000 | 15.4% |
| Central Bank & Trust Company | 66 | 7.500% | $175,000 | 6.9% |
| Community Trust Bank, Inc. | 65 | 7.250% | $155,000 | 18.8% |
| Fifth Third Bank, National Association | 60 | 7.230% | $105,000 | 27.1% |
| Mortgage Research Center, LLC | 59 | 6.250% | $285,000 | 25.0% |
| Broker Solutions, Inc. | 56 | 6.500% | $235,000 | 5.1% |
| Stock Yards Bank & Trust Company | 53 | 6.500% | $145,000 | 20.3% |
| STOCKTON MORTGAGE CORPORATION | 53 | 6.500% | $265,000 | 11.7% |
| FREEDOM MORTGAGE CORPORATION | 52 | 6.250% | $275,000 | 7.1% |
| Park Federal Credit Union | 48 | 7.500% | $105,000 | 17.0% |
| PNC Bank, National Association | 41 | 7.400% | $105,000 | 23.6% |
| Guardian Savings Bank | 41 | 6.500% | $245,000 | 8.5% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 5.990% | $215,000 | 20.5% |
| Ixonia Bank | 30 | 6.750% | $235,000 | 0.0% |
| Cumberland Valley National Bank & Trust Company | 28 | Not published | $220,000 | 0.0% |
| First Southern National Bank | 27 | 7.500% | $105,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 24 | 6.563% | $180,000 | 16.1% |
| Luminate Bank | 21 | 6.500% | $265,000 | 0.0% |
| DAS Acquisition Company, LLC | 19 | 6.500% | $255,000 | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 18 | 10.990% | $90,000 | 81.7% |
| Navy Federal Credit Union | 18 | 6.250% | $155,000 | 25.0% |
| NEWREZ LLC | 16 | 6.313% | $205,000 | 26.1% |
| Loandepot.Com, LLC | 16 | 6.813% | $135,000 | 36.0% |
| UNION HOME MORTGAGE CORP. | 16 | 6.688% | $230,000 | 0.0% |
| GENEVA FINANCIAL, LLC | 15 | 6.625% | $245,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 14 | 4.990% | $315,000 | 0.0% |
| City National Bank of West Virginia | 14 | 6.290% | $300,000 | 20.0% |
| USAA Federal Savings Bank | 14 | 6.375% | $305,000 | 12.5% |
| Republic Bank & Trust Company | 14 | 6.000% | $200,000 | 0.0% |
| Truist Bank | 13 | 5.990% | $125,000 | 40.9% |
| LOWER, LLC | 13 | 6.625% | $325,000 | 0.0% |
| MEMBERS HERITAGE Credit Union | 13 | 6.500% | $165,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 12 | 7.183% | $95,000 | 13.3% |
| Traditional Bank, Inc. | 12 | 6.438% | $215,000 | 7.7% |
| Renasant Bank | 12 | 6.313% | $235,000 | 0.0% |
| Magnolia Bank, Incorporated | 11 | 6.990% | $265,000 | 0.0% |
| 21st Mortgage Corporation | 10 | 10.475% | $90,000 | 86.8% |
| GoPrime Mortgage, Inc. | 10 | 6.625% | $250,000 | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 10 | 6.500% | $185,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 55.0% |
| Peoples Exchange Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Bank of the Bluegrass and Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 57.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 8 | Under 10 loans | Under 10 loans | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 18.2% |
| WesBanco Bank, Inc. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Prosperity Home Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 70.8% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LAKEVIEW LOAN SERVICING, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Lexington, Inc. | 7 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 53.3% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| Click n' Close, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Monticello Banking Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 76.5% |
| FIGURE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 30.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENDEAVOR CAPITAL, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| L & N Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Citizens National Bank of Somerset | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Forcht Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIELD & MAIN BANK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL KENTUCKY AGRICULTURAL CREDIT ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS CHOICE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 64.3% |
| FirstBank | 2 | Under 10 loans | Under 10 loans | 61.5% |
| SOUTHWEST STAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Abound Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SOUTH CENTRAL BANK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Home Savings and Loan Company of Kenton, Ohio | 2 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilson & Muir Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AgFirst Farm Credit Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 1 | Under 10 loans | Under 10 loans | 63.6% |
| Park Lane Finance Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 36.8% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hearthside Bank Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Heritage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Legacy Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SERVIS ONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 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% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EZ FUNDINGS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Publix Employees Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens National Bank of Bluffton | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank of Kentucky, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Burke & Herbert Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Middle Tennessee | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Cecilian Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTH COUNTRY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst 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 63 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Madison County
35 FDIC-insured branches from 17 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Whitaker Bank | 9 | $374.0 million |
| Cumberland Valley National Bank & Trust Company | 3 | $193.3 million |
| Community Trust Bank, Inc. | 3 | $191.0 million |
| Central Bank & Trust Co. | 3 | $152.3 million |
| Citizens Guaranty Bank | 3 | $73.8 million |
| Stock Yards Bank & Trust Company | 2 | $199.5 million |
| U.S. Bank National Association | 2 | $180.0 million |
| JPMorgan Chase Bank, National Association | 1 | $211.1 million |
| PNC Bank, National Association | 1 | $119.7 million |
| Fifth Third Bank, National Association | 1 | $99.4 million |
| 1st Trust Bank, Inc. | 1 | $85.6 million |
| First Southern National Bank | 1 | $62.5 million |
| Forcht Bank, National Association | 1 | $21.7 million |
| Citizens Bank | 1 | $17.5 million |
| The Monticello Banking Company | 1 | $6.7 million |
| Woodforest National Bank | 1 | $3.0 million |
| The Citizens National Bank of Somerset | 1 | $50,000 |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Stock Yards Bank & Trust Company, 1001 Gibson Bay Dr, Ste 101, Richmond
- Stock Yards Bank & Trust Company, 724 W Main St, Richmond
Get told when this changes
When the next year’s lending figures are out for Madison County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.