Top Mortgage Lenders in Kentucky

It’s time to find out who are the top mortgage lenders in Kentucky based on total loan volume.

Over 750 banks, direct lenders and credit unions originated home loans in the state of Kentucky last year.

In total, the group funded over $40 billion in mortgages, although only one can claim to be #1.

As it does in many other states across the country, Rocket Mortgage led the way in The Bluegrass State.

Keep reading to see which other mortgage companies made the top-10 list.

Top Mortgage Lenders in Kentucky (Overall)

grade name of the company 2021 loan amount
1. rocket hostage $2.2 billion
2. Wells Fargo $1.2 billion
3. liberty mortgage $1.1 billion
4. us bank $1.1 billion
5. uwm $1.0 billion
6. home point $1.0 billion
7. fifth third bank $952 million
8. Follow $938 million
9. pennymac $885 million
10. amerihome mortgage $844 million

rocket hostage Kentucky topped with $2.2 billion in home loans financed in 2021, according to data compiled by HMDA richie may,

That was nearly a billion more than second-ranked Wells Fargo, which handled nearly $1.2 billion in origination volume last year.

Coming in third was the Boca Raton-based liberty mortgage With $1.1 billion, beating out a similar total from US Bank.

was in fifth with $1 billion in combined wholesale mortgages, a company that relies entirely on mortgage broker To generate business.

rest of the top 10 home pointFifth Third Bank, Chase, pennymacand Amerihome Mortgage.

None of the companies mentioned are headquartered in Kentucky, although Fifth Third is from nearby Cincinnati, Ohio.

Top Kentucky Mortgage Lenders (For Home Buyers)

grade name of the company 2021 loan amount
1. amerihome mortgage $511 million
2. pennymac $500 million
3. uwm $489 million
4. stockton mortgage $489 million
5. rocket hostage $485 million
6. Wells Fargo $484 million
7. home point $479 million
8. us bank $420 million
9. citizen bank $410 million
10. American Mtg. service Company $403 million

If only looking to buy a home, SoCal-based amerihome mortgage Takes the top spot with $511 million funded.

They were followed by another SoCal lender, Pennymac, with $500 million funded, and UWM in third with $489 million.

Frankfort, KY-based Stockton Mortgage also took the fourth spot with nearly $489 million, followed closely by Rocket Mortgage with $485 million.

The lower half of the top 10 included Wells Fargo, HomePoint, US Bank, citizen bankand American Mortgage Services Company, based in Cincinnati.

So when it came to buying a home, a Kentucky company made the list.

Top Refinance Lenders in Kentucky (For Existing Homeowners)

grade name of the company 2021 loan amount
1. rocket hostage $1.7 billion
2. liberty mortgage $831 million
3. fifth third bank $675 million
4. custodian savings $656 million
5. Wells Fargo $636 million
6. Follow $594 million
7. us bank $583 million
8. uwm $551 million
9. home point $543 million
10. PNC Bank $469 million

Now let’s talk about the riffis of the state of Kentucky. For those looking to refinance existing mortgages in the state, Rocket Mortgage was the top destination with $1.7 billion funded.

Freedom Mortgage came in second with $831 million, followed by Fifth Third Bank with $675 million in loan volume.

Cincinnati-based Guardian Savings Bank was fourth with $656 million and Wells Fargo was fifth with $636 million.

The rest of the big shots in the refinancing department included Chase, US Bank, UWM, HomePoint and PNC Bank,

Best Mortgage Lenders in Kentucky

I always try to find local names to put in the mix, even if they haven’t funded as much as the big guys.

And I usually turn to Zillow to look up mortgage reviews of local companies in each state.

One of our home lenders, Stockton Mortgage, has a 4.92/5 out of over 150 customer reviews on Zillow, which isn’t too shabby.

The most reviewed Kentucky-based lender on Zillow is Gold Financial Services, with a 4.99/5 based on nearly 500 reviews.

For the big names, Rocket Mortgage (4.48/5), PennyMac (4.40/5), Fifth Third (4.92/5) Citizens Bank (4.96/5), Wells Fargo (4.95/5), Chase (4.95/5), Freedom Mortgage (4.85/5), and HomePoint (4.89/5).

After all, there are plenty of highly rated mortgage lenders in Kentucky and surrounding states.

So whether you go local or try out-of-state options, you should be able to find the right match for your mortgage needs.

(Photo: Joel Kramer,

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