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Kentucky Best Lenders and Insurers

Author: Data Team

See the top-rated mortgage, loan, and insurance providers across Kentucky's major cities, based on recommendations from local residents in MFP's Community Surveys.
Updated: September 29 2026
Bowling Green Covington Elizabethtown Florence Georgetown Lexington-Fayette Louisville Nicholasville Owensboro Richmond Online

Bowling Green

The top-rated lenders and insurers in Bowling Green, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Service One Credit Union
  2. Liberty Federal Credit Union
  3. South Central Bank
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Best Refinance
  1. American Bank & Trust
  2. Republic Bank & Trust
  3. Commonwealth Credit Union
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Best Auto Loan
  1. Service One Credit Union
  2. Abound Credit Union
  3. South Central Bank
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Best Personal Loan
  1. Service One Credit Union
  2. Abound Credit Union
  3. German American Bank
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Best Home Insurance
  1. USAA
  2. State Farm
  3. Auto-Owners
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Best Auto Insurance
  1. Byers Insurance Group
  2. Ingram Insurance
  3. Lawton Insurance
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Covington

The top-rated lenders and insurers in Covington, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Republic Bank & Trust Company
  2. The Huntington National Bank
  3. Liberty Federal Credit Union
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Best Refinance
  1. Central Bank
  2. Republic Bank & Trust
  3. First Security Bank
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Best Auto Loan
  1. Kemba Credit Union
  2. General Electric Credit Union
  3. Heritage Bank
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Best Personal Loan
  1. Kemba Credit Union
  2. General Electric Credit Union
  3. Cinfed Credit Union
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Best Home Insurance
  1. State Farm
  2. Cincinnati Insurance
  3. Liberty Mutual
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Best Auto Insurance
  1. Curt Nortman, agent, State Farm
  2. Terrill Williams, agent, Allstate
  3. Kentucky Farm Bureau Insurance
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Elizabethtown

The top-rated lenders and insurers in Elizabethtown, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Fort Knox Federal Credit Union
  2. Citizens Union Bank
  3. Bank of Elizabethtown
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Best Refinance
  1. American Bank & Trust
  2. First Federal Savings Bank
  3. Commonwealth Credit Union
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Best Auto Loan
  1. Abound Credit Union
  2. Magnolia Bank
  3. WesBanco Bank
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Best Personal Loan
  1. Abound Credit Union
  2. Fort Knox Federal Credit Union
  3. WesBanco Bank
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Best Home Insurance
  1. USAA
  2. Nationwide
  3. State Farm
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Best Auto Insurance
  1. Chris Grinstead, agent, Allstate
  2. Burris Insurance Agency
  3. Unity Insurance Agency
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Florence

The top-rated lenders and insurers in Florence, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Fifth Third Bank
  2. PNC Bank
  3. People's Bank & Trust
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Best Refinance
  1. Heritage Bank
  2. Central Bank
  3. Republic Bank & Trust
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Best Auto Loan
  1. Kemba Credit Union
  2. General Electric Credit Union
  3. Heritage Bank
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Best Personal Loan
  1. Kemba Credit Union
  2. General Electric Credit Union
  3. Cinfed Credit Union
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Best Home Insurance
  1. Cincinnati Insurance
  2. State Farm
  3. Westfield Insurance
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Best Auto Insurance
  1. Kentucky Farm Bureau Insurance
  2. State Farm
  3. Allstate
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Georgetown

The top-rated lenders and insurers in Georgetown, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Central Bank & Trust Company
  2. Whitaker Bank
  3. Republic Bank
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Best Refinance
  1. Commonwealth Credit Union
  2. Stockton Mortgage
  3. Central Bank
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Best Auto Loan
  1. University of Kentucky Federal Credit Union
  2. Commonwealth Credit Union
  3. Traditional Bank
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Best Personal Loan
  1. Commonwealth Credit Union
  2. Members Heritage Credit Union
  3. Republic Bank
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Best Home Insurance
  1. State Farm
  2. Kentucky Farm Bureau
  3. Allstate
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Best Auto Insurance
  1. Steve Woodrum, agent, State Farm
  2. Grant Rea, agent, State Farm
  3. Becky Jordan, agent, State Farm
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Lexington-Fayette

The top-rated lenders and insurers in Lexington-Fayette, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Central Bank & Trust Co.
  2. University of Kentucky Federal Credit Union
  3. Community Trust Bank
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Best Refinance
  1. Central Bank
  2. University of Kentucky FCU
  3. Commonwealth Credit Union
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Best Auto Loan
  1. University of Kentucky Federal Credit Union
  2. Members Heritage Credit Union
  3. Commonwealth Credit Union
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Best Personal Loan
  1. Commonwealth Credit Union
  2. Members Heritage Credit Union
  3. University of Kentucky Federal Credit Union
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Best Home Insurance
  1. State Farm
  2. Auto-Owners
  3. Cincinnati Insurance
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Best Auto Insurance
  1. Stewart Perry, agent, State Farm
  2. Debra Hensley, agent, State Farm
  3. Levi Monk, agent, State Farm
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Louisville

The top-rated lenders and insurers in Louisville, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Republic Bank & Trust Company
  2. Stock Yards Bank & Trust
  3. L&N Federal Credit Union
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Best Refinance
  1. Traditional Bank
  2. Raymond James Bank
  3. Park Community Credit Union
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Best Auto Loan
  1. Transcend Credit Union
  2. Class Act Federal Credit Union
  3. Park Community Credit Union
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Best Personal Loan
  1. L&N Federal Credit Union
  2. Park Community Credit Union
  3. Class Act Federal Credit Union
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Best Home Insurance
  1. State Farm
  2. Allstate
  3. Nationwide
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Best Auto Insurance
  1. Mary Henry, agent, State Farm
  2. Joe Watson, agent, State Farm
  3. Greg Haus, agent, State Farm
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Nicholasville

The top-rated lenders and insurers in Nicholasville, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Fifth Third Bank
  2. PNC Bank
  3. Kentucky Bank
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Best Refinance
  1. Central Bank
  2. Commonwealth Credit Union
  3. Republic Bank & Trust
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Best Auto Loan
  1. University of Kentucky Federal Credit Union
  2. Commonwealth Credit Union
  3. Traditional Bank
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Best Personal Loan
  1. Commonwealth Credit Union
  2. Members Heritage Credit Union
  3. Central Bank
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Best Home Insurance
  1. State Farm
  2. Kentucky Farm Bureau
  3. Auto-Owners
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Best Auto Insurance
  1. Kentucky Farm Bureau Insurance
  2. State Farm
  3. Allstate
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Owensboro

The top-rated lenders and insurers in Owensboro, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Liberty Federal Credit Union
  2. First United Bank and Trust Company
  3. Audubon Federal Credit Union
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Best Refinance
  1. Old National Bank
  2. German American Bank
  3. Kentucky Employees Credit Union
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Best Auto Loan
  1. Green River Area Federal Credit Union
  2. Independence Bank
  3. German American Bank
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Best Home Insurance
  1. Ohio Valley Insurance
  2. State Farm
  3. Nationwide
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Best Auto Insurance
  1. T.H.E. Insurance Group
  2. Kent Banning, agent, Allstate
  3. HUB International
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Richmond

The top-rated lenders and insurers in Richmond, KY, based on recommendations from local residents in MFP's Community Surveys.
Best Home Mortgage
  1. Central Bank & Trust Company
  2. Whitaker Bank
  3. Republic Bank
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Best Refinance
  1. Central Bank
  2. Republic Bank & Trust
  3. First Security Bank
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Best Auto Loan
  1. University of Kentucky Federal Credit Union
  2. Commonwealth Credit Union
  3. Central Bank
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Best Personal Loan
  1. Commonwealth Credit Union
  2. Members Heritage Credit Union
  3. Central Bank
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Best Home Insurance
  1. Auto-Owners
  2. State Farm
  3. Erie Insurance
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Best Auto Insurance
  1. Ashley Williams, agent, State Farm
  2. Chris Brown, agent, State Farm
  3. Jon Clark, agent, State Farm
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Best Online Lenders in Kentucky

Top-rated online lenders serving Kentucky residents statewide, based on recommendations from MFP's Community Surveys.
Best Home Mortgage
  1. Rocket Mortgage
  2. Commonwealth Credit Union
  3. NFM Lending
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Best Refinance
  1. Rocket Mortgage
  2. Fifth Third Bank
  3. Better Mortgage
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Best Auto Loan
  1. Commonwealth Credit Union
  2. Abound Credit Union
  3. Greater Kentucky Credit Union
See full ranking →
Best Personal Loan
  1. Abound Credit Union
  2. Greater Kentucky Credit Union
  3. Service One Credit Union
See full ranking →