It’s time to find out who the top mortgage lenders in Kentucky are, based on total loan volume.
Nearly 700 banks, direct lenders, and credit unions originated home loans in the state of Kentucky last year.
Altogether, this group funded more than $15 billion in mortgages, though only one can claim to be #1.
As is the case with many other states in the nation, United Wholesale 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)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $1.1 billion |
| 2. | Rocket Mortgage | $860 million |
| 3. | Stockton Mortgage | $571 million |
| 4. | Veterans United | $428 million |
| 5. | U.S. Bank | $300 million |
| 6. | Evansville Teachers | $296 million |
| 7. | Stock Yards Bank | $291 million |
| 8. | Northpointe Bank | $276 million |
| 9. | Fifth Third Bank | $273 million |
| 10. | Freedom Mortgage | $271 million |
UWM snagged the top spot in Kentucky with $1.1 billion in home loans funded in 2024 (latest full year results), per HMDA data compiled by Richey May.
They are a mortgage company that relies solely on mortgage brokers to generate their business.
That was about a quarter billion more than second place Rocket Mortgage, which managed about $860 million in origination volume last year.
Coming in third was Frankfort, KY-based Stockton Mortgage with $571 million, easily beating out Veterans United Home Loans, and in fifth was Minnesota-based U.S. Bank with $300 million.
The rest of the top 10 included Evansville Teachers CU, Louisville, KY-based Stock Yards Bank & Trust, Fifth Third Bank, Northpointe Bank, and Freedom Mortgage.
Only two of the companies mentioned are headquartered in Kentucky, though Fifth Third is from nearby Cincinnati, Ohio.
Top Kentucky Mortgage Lenders (for Home Buyers)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $793 million |
| 2. | Stockton Mortgage | $518 million |
| 3. | Rocket Mortgage | $386 million |
| 4. | Veterans United | $348 million |
| 5. | Evansville Teachers | $243 million |
| 6. | U.S. Bank | $242 million |
| 7. | Victory Mortgage | $242 million |
| 8. | Northpointe Bank | $225 million |
| 9. | Stock Yards Bank | $219 million |
| 10. | Guardian Savings | $201 million |
If talking home purchase lending only, UWM took the top spot again with $793 million funded. They’ve been hard to beat no matter what the state.
They were followed by homegrown lender Stockton Mortgage with $518 million funded, followed by Rocket with $386 million in third.
Veterans United Home Loans took fourth with roughly $348 million, trailed by Evansville Teachers CU with $243 million.
The bottom half of the top 10 included U.S. Bank, Victory Mortgage, Northpointe Bank, Stock Yards Bank & Trust, and West Chester, Ohio-based Guardian Savings.
So when it came to home buying, two Kentucky-based companies made the list, along with two Kentucky-adjacent lenders.
Top Refinance Lenders in Kentucky (for Existing Homeowners)
| Ranking | Company Name | 2024 Loan Volume |
| 1. | Rocket Mortgage | $453 million |
| 2. | UWM | $300 million |
| 3. | Freedom Mortgage | $165 million |
| 4. | First State Bank | $145 million |
| 5. | Pennymac | $95 million |
| 6. | Veterans United | $80 million |
| 7. | Fifth Third Bank | $76 million |
| 8. | PNC Bank | $73 million |
| 9. | Community Trust | $61 million |
| 10. | Commonwealth CU | $56 million |
Now let’s talk refis in the state of Kentucky. For folks refinancing an existing mortgage in the state, Rocket Mortgage was the top destination with $453 million funded.
UWM came in second with $300 million, followed by Freedom Mortgage with $165 million in loan volume.
Irvington-based First State Bank took fourth with $145 million, and CA-based Pennymac came in fifth with $95 million.
The rest of the big shots in the refinance department included Veterans United, Fifth Third Bank, PNC Bank, Pikeville-based Community Trust, and Frankfort-based Commonwealth CU.
Top Mortgage Lenders in Louisville
| Ranking | Company Name | 2024 Loan Volume |
| 1. | UWM | $491 million |
| 2. | Rocket Mortgage | $230 million |
| 3. | Northpointe Bank | $212 million |
| 4. | Stock Yards Bank | $192 million |
| 5. | First Financial | $123 million |
| 6. | Republic Bank | $115 million |
| 7. | Freedom Mortgage | $100 million |
| 8. | Fairway Home | $100 million |
| 9. | Chase | $99 million |
| 10. | PNC Bank | $99 million |
The Best Mortgage Lenders in Kentucky
I always attempt to find local names to throw into the mix, even if they didn’t fund as much as the big guys.
And I typically turn to Zillow to check out the mortgage reviews of local companies in each state.
Our one homegrown lender, Stockton Mortgage, has a 4.92/5 from over 150 customer reviews on Zillow, which isn’t too shabby.
The most reviewed Kentucky-based lender on Zillow is Gold Financial Services, which has a 4.99/5 from nearly 500 reviews.
As for the bigger 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), and Freedom Mortgage (4.85/5).
Ultimately, there are plenty of highly-rated mortgage lenders in Kentucky and surrounding states.
So whether you go local or try an out-of-state option, you should be able to find a suitable match for your mortgage needs.
(photo: Joel Kramer)
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