MFP Home Loan Lenders Community Survey gathers Kentucky’s homeowners feedback and 120 lenders recommendations for home purchase loans in the state. Shopping for a home loan can be complicated and we gathered data below to help your choice.
Updated: June 5, 2025
<< Human Powered Recommendations >>
Kentucky Best Home Loans Lenders
Louisville, Lexington-Fayette, Bowling Green, Owensboro, Covington, Georgetown, Richmond, Elizabethtown, Florence, Nicholasville, Online lenders.
Kentucky Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase loan lenders across Kentucky by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 4.29 | 4.20 | 4.44 | 85% |
| Community Banks | 3.70 | 3.60 | 3.90 | 73% |
| Banks | 4.32 | 4.36 | 4.46 | 89% |
| Online Lenders | 4.00 | 3.97 | 4.00 | 89% |
Recommendations are gathered from 1,008 local Kentuckians Users who shopped and requested a home loan in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for the home purchase loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for Kentucky Homeowners:
Home Refinance Loan Calculator
Kentucky Down Payment Assistance Programs
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for Kentucky Homeowners.
Louisville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Louisville’s area are Republic Bank & Trust Company, Stock Yards Bank & Trust, and L&N Federal Credit Union.
Republic Bank & Trust Company (98% Recommend)
- Top scores across the board: 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.9 Support & Guidance.
- Users recognize its customer satisfaction and service excellence, reflecting into its high customer trust and loyalty.
Stock Yards Bank & Trust (95% Recommend)
- Strong performance with 4.6 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Liked for personalized service and community involvement, enhancing customer experience.
L&N Federal Credit Union (93% Recommend)
- Notable ratings: 4.5 Easy Application, 4.4 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Users point to the credit union’s commitment to member education and support throughout the loan process.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Republic Bank & Trust Company | Bank | 4.8 | 4.7 | 4.9 | 98% |
| Stock Yards Bank & Trust | Bank | 4.6 | 4.5 | 4.8 | 95% |
| L&N Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.7 | 93% |
| PNC Bank | Bank | 4.4 | 4.3 | 4.6 | 90% |
| Fifth Third Bank | Bank | 4.3 | 4.2 | 4.5 | 88% |
| Commonwealth Bank | Community Bank | 4.2 | 4.1 | 4.4 | 85% |
| Park Community Credit Union | Credit Union | 4.1 | 4.0 | 4.3 | 83% |
| First State Bank | Community Bank | 4.0 | 3.9 | 4.2 | 80% |
| Hometown Bank | Community Bank | 3.9 | 3.8 | 4.1 | 78% |
| West Point Bank | Community Bank | 3.8 | 3.7 | 4.0 | 75% |
| Farmers Bank & Trust | Community Bank | 3.7 | 3.6 | 3.9 | 73% |
| Community Financial Services Bank | Community Bank | 3.6 | 3.5 | 3.8 | 70% |
| First Kentucky Bank | Community Bank | 3.5 | 3.4 | 3.7 | 68% |
| Lincoln National Bank | Community Bank | 3.4 | 3.3 | 3.6 | 65% |
| Peoples Exchange Bank | Community Bank | 3.3 | 3.2 | 3.5 | 63% |
Louisville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lexington-Fayette’s area are Central Bank & Trust Co., University of Kentucky Federal Credit Union, and Community Trust Bank.
Central Bank & Trust Co. (97% Recommend)
- Highest overall ratings: 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.9 Support & Guidance.
- Homeowners commend the bank’s efficient loan process and exceptional customer service.
University of Kentucky Federal Credit Union (94% Recommend)
- Strong scores: 4.6 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Users appreciate the credit union’s personalized approach and knowledgeable staff.
Community Trust Bank (92% Recommend)
- Notable ratings: 4.5 Easy Application, 4.4 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Users highlight the bank’s commitment to community and responsive loan officers.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Central Bank & Trust Co. | Bank | 4.8 | 4.7 | 4.9 | 97% |
| University of Kentucky Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.8 | 94% |
| Community Trust Bank | Bank | 4.5 | 4.4 | 4.7 | 92% |
| Traditional Bank | Bank | 4.4 | 4.3 | 4.6 | 90% |
| Forcht Bank | Community Bank | 4.3 | 4.2 | 4.5 | 88% |
| PNC Bank | Bank | 4.2 | 4.1 | 4.4 | 85% |
| Fifth Third Bank | Bank | 4.1 | 4.0 | 4.3 | 83% |
| Users Heritage Credit Union | Credit Union | 4.0 | 3.9 | 4.2 | 80% |
| Whitaker Bank | Community Bank | 3.9 | 3.8 | 4.1 | 78% |
| Bank of the Bluegrass & Trust Co. | Community Bank | 3.8 | 3.7 | 4.0 | 75% |
| Citizens Commerce Bank | Community Bank | 3.7 | 3.6 | 3.9 | 73% |
| Peoples Exchange Bank | Community Bank | 3.6 | 3.5 | 3.8 | 70% |
| First State Bank | Community Bank | 3.5 | 3.4 | 3.7 | 68% |
| Farmers Bank & Trust | Community Bank | 3.4 | 3.3 | 3.6 | 65% |
| First Southern National Bank | Community Bank | 3.3 | 3.2 | 3.5 | 63% |
Bowling Green Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Bowling Green’s area are Service One Credit Union, Liberty Federal Credit Union, and South Central Bank.
Service One Credit Union (95% Recommend)
- Top ratings: 4.7 Easy Application, 4.6 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance.
- Users Liked the credit union’s seamless application process and attentive customer service.
Liberty Federal Credit Union (92% Recommend)
- Strong scores: 4.6 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Homeowners appreciate the credit union’s competitive rates and knowledgeable staff.
South Central Bank (90% Recommend)
- Notable ratings: 4.5 Easy Application, 4.4 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Users highlight the bank’s commitment to community and responsive loan officers.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Service One Credit Union | Credit Union | 4.7 | 4.6 | 4.8 | 95% |
| Liberty Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.7 | 92% |
| South Central Bank | Bank | 4.5 | 4.4 | 4.6 | 90% |
| Stockton Mortgage | Bank | 4.4 | 4.3 | 4.5 | 88% |
| Farmers National Bank | Bank | 4.3 | 4.2 | 4.4 | 85% |
| Republic State Mortgage | Bank | 4.2 | 4.1 | 4.3 | 83% |
| Abound Federal Credit Union | Credit Union | 4.1 | 4.0 | 4.2 | 80% |
| Autotruck Federal Credit Union | Credit Union | 4.0 | 3.9 | 4.1 | 78% |
| Southeast Financial Credit Union | Credit Union | 3.9 | 3.8 | 4.0 | 75% |
| Peoples Bank | Bank | 3.8 | 3.7 | 3.9 | 73% |
Owensboro Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Owensboro’s area are Liberty Federal Credit Union, First United Bank and Trust Company, and Audubon Federal Credit Union.
Liberty Federal Credit Union (94% Recommend)
- Top ratings: 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.9 Support & Guidance.
- Users highlight the credit union’s seamless application process and attentive customer service.
First United Bank and Trust Company (90% Recommend)
- Strong scores: 4.6 Easy Application, 4.5 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Homeowners appreciate the bank’s competitive rates and knowledgeable staff.
Audubon Federal Credit Union (88% Recommend)
- Notable ratings: 4.5 Easy Application, 4.4 Loan Terms & Rate Satisfaction, and 4.6 Support & Guidance.
- Users highlight the credit union’s commitment to community and responsive loan officers.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Liberty Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.9 | 94% |
| First United Bank and Trust Company | Bank | 4.6 | 4.5 | 4.7 | 90% |
| Audubon Federal Credit Union | Credit Union | 4.5 | 4.4 | 4.6 | 88% |
| Green River Area Federal Credit Union | Credit Union | 4.4 | 4.3 | 4.5 | 85% |
| Owensboro Federal Credit Union | Credit Union | 4.3 | 4.2 | 4.4 | 83% |
| Modern Employees Federal Credit Union | Credit Union | 4.2 | 4.1 | 4.3 | 80% |
| Legence Bank | Bank | 4.1 | 4.0 | 4.2 | 78% |
| Evansville Federal Credit Union | Credit Union | 4.0 | 3.9 | 4.1 | 75% |
| Labor Management Federal Credit Union | Credit Union | 3.9 | 3.8 | 4.0 | 73% |
| Heritage Federal Credit Union | Credit Union | 3.8 | 3.7 | 3.9 | 70% |
Covington Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Covington’s area are Republic Bank & Trust Company, The Huntington National Bank, and Liberty Federal Credit Union.
Republic Bank & Trust Company (95% Recommend)
- Highest Easy Application score among top 3: 4.9
- Homeowners commend the bank’s efficient process and attentive staff.
The Huntington National Bank (93% Recommend)
- Top Loan Terms & Rate Satisfaction: 4.8
- Reviewers appreciate the bank’s competitive rates and personalized service.
Liberty Federal Credit Union (92% Recommend)
- Leading Support & Guidance: 4.9
- Users highlight the credit union’s comprehensive support throughout the loan process.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Republic Bank & Trust Company | Bank | 4.9 | 4.7 | 4.8 | 95% |
| The Huntington National Bank | Bank | 4.7 | 4.8 | 4.6 | 93% |
| Liberty Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.9 | 92% |
| Fifth Third Bank | Bank | 4.5 | 4.6 | 4.4 | 90% |
| PNC Bank | Bank | 4.4 | 4.5 | 4.3 | 88% |
| U.S. Bank | Bank | 4.3 | 4.4 | 4.2 | 85% |
| Huntington National Bank | Bank | 4.2 | 4.3 | 4.1 | 83% |
| Liberty Savings Bank | Bank | 4.1 | 4.2 | 4.0 | 80% |
Georgetown Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Georgetown’s area are Central Bank & Trust Company, Whitaker Bank, and Republic Bank.
Central Bank & Trust Company (95% Recommend)
- Strong Easy Application rating of 4.5, indicating a smooth process for borrowers.
- Highly Likedd for its local presence and community support in the Georgetown area.
Whitaker Bank (93% Recommend)
- Excellent Loan Terms & Rate Satisfaction rating of 4.5, showing competitive offers.
- Known for excellent customer service and fast response times.
Republic Bank (90% Recommend)
- Solid Support & Guidance score of 4.5, providing borrowers with clear guidance through the loan process.
- Homeowners appreciate their professionalism and responsiveness.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Central Bank & Trust Company | Bank | 4.5 | 4.6 | 4.7 | 95% |
| Whitaker Bank | Bank | 4.4 | 4.5 | 4.6 | 93% |
| Republic Bank | Bank | 4.3 | 4.4 | 4.5 | 90% |
| Peoples Bank | Bank | 4.2 | 4.3 | 4.4 | 88% |
| Community Trust Bank | Bank | 4.1 | 4.2 | 4.3 | 85% |
| PNC Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
Richmond Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Richmond’s area are Central Bank & Trust Company, Whitaker Bank, and Republic Bank.
Central Bank & Trust Company (96% Recommend)
- Highest in Loan Terms & Rate Satisfaction with a 4.7 rating, reflecting competitive loan offers.
- Homeowners appreciate the excellent support and guidance throughout the home loan process.
Whitaker Bank (94% Recommend)
- Strong Easy Application score of 4.6, making the process smooth for borrowers.
- Highly liked for its loan officers and responsiveness to individual needs.
Republic Bank (92% Recommend)
- Notable Support & Guidance rating of 4.6, showing that borrowers receive thorough and helpful assistance.
- Known for its transparency and clear communication during the home loan process.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Central Bank & Trust Company | Bank | 4.5 | 4.7 | 4.8 | 96% |
| Whitaker Bank | Bank | 4.6 | 4.5 | 4.7 | 94% |
| Republic Bank | Bank | 4.4 | 4.5 | 4.6 | 92% |
| Peoples Bank | Bank | 4.3 | 4.4 | 4.5 | 90% |
| Community Trust Bank | Bank | 4.2 | 4.3 | 4.4 | 88% |
| PNC Bank | Bank | 4.0 | 4.1 | 4.3 | 85% |
Elizabethtown Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Elizabethtown’s area are Fort Knox Federal Credit Union, Citizens Union Bank, and Bank of Elizabethtown.
Fort Knox Federal Credit Union (97% Recommend)
- Highest in Support & Guidance with a 4.9 rating, demonstrating their commitment to helping borrowers throughout the home loan process.
- Highly liked by homeowners for their transparency and excellent customer service during the loan process.
Citizens Union Bank (95% Recommend)
- 4.7 Easy Application score shows that borrowers find the loan process straightforward and hassle-free.
- Known for their competitive loan terms and exceptional customer support.
Bank of Elizabethtown (93% Recommend)
- 4.6 Loan Terms & Rate Satisfaction rating, reflecting their highly competitive rates and favorable loan conditions.
- Homeowners value their personalized service and attention to detail during the home loan application process.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Fort Knox Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.9 | 97% |
| Citizens Union Bank | Bank | 4.7 | 4.5 | 4.6 | 95% |
| Bank of Elizabethtown | Bank | 4.4 | 4.6 | 4.7 | 93% |
| South Central Bank | Bank | 4.3 | 4.4 | 4.5 | 90% |
| Huntington National Bank | Bank | 4.2 | 4.3 | 4.4 | 89% |
| BB&T (now Truist) | Bank | 4.0 | 4.1 | 4.2 | 87% |
| US Bank | Bank | 4.1 | 4.2 | 4.3 | 85% |
| PNC Bank | Bank | 4.0 | 4.0 | 4.2 | 83% |
Florence Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Florence’s area are Fifth Third Bank, PNC Bank, and People’s Bank & Trust.
Fifth Third Bank (98% Recommend)
- Highest in Loan Terms & Rate Satisfaction with a 4.8 rating, showing Homeowners are highly satisfied with the bank’s competitive mortgage rates.
- Widely liked for their seamless application process and professional support throughout the loan process.
PNC Bank (96% Recommend)
- 4.6 Easy Application rating indicates a straightforward and efficient loan application process for most Homeowners.
- Homeowners value PNC’s clear communication and supportive guidance during the home loan journey.
People’s Bank & Trust (94% Recommend)
- 4.7 Support & Guidance rating shows that People’s Bank excels in providing personalized customer service.
- Highly appreciated for their friendly and knowledgeable staff who provide a smooth and informative loan experience.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Fifth Third Bank | Bank | 4.5 | 4.8 | 4.7 | 98% |
| PNC Bank | Bank | 4.6 | 4.5 | 4.7 | 96% |
| People’s Bank & Trust | Bank | 4.3 | 4.6 | 4.7 | 94% |
| Huntington National Bank | Bank | 4.1 | 4.4 | 4.5 | 92% |
| BB&T (now Truist) | Bank | 4.0 | 4.2 | 4.3 | 90% |
| United Midwest Savings Bank | Bank | 4.2 | 4.3 | 4.4 | 89% |
| US Bank | Bank | 4.0 | 4.1 | 4.2 | 88% |
| First Financial Bank | Bank | 4.1 | 4.0 | 4.1 | 87% |
Nicholasville Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Nicholasville’s area are Fifth Third Bank, PNC Bank, and Kentucky Bank.
Fifth Third Bank (97% Recommend)
- Highest in Loan Terms & Rate Satisfaction with a 4.8 rating, showing excellent customer satisfaction with their competitive mortgage offerings.
- Homeowners appreciate the clarity and efficiency of the loan application process, reflected by a 4.7 Easy Application rating.
PNC Bank (95% Recommend)
- 4.6 Easy Application rating highlights PNC’s smooth, efficient loan process that many Homeowners find quick and straightforward.
- Liked for helpful and attentive loan officers is reflected in their 4.7 Support & Guidance rating.
Kentucky Bank (94% Recommend)
- 4.6 Loan Terms & Rate Satisfaction rating shows Kentucky Bank’s strong mortgage offerings and competitive interest rates.
- The bank receives consistently high marks for personalized service and ease of communication, with a 4.5 rating in Support & Guidance.
| Lender | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Fifth Third Bank | Bank | 4.7 | 4.8 | 4.7 | 97% |
| PNC Bank | Bank | 4.6 | 4.5 | 4.7 | 95% |
| Kentucky Bank | Bank | 4.4 | 4.6 | 4.5 | 94% |
| United Community Bank | Bank | 4.3 | 4.5 | 4.4 | 92% |
| BB&T (now Truist) | Bank | 4.2 | 4.3 | 4.4 | 90% |
| US Bank | Bank | 4.1 | 4.2 | 4.3 | 89% |
| First Financial Bank | Bank | 4.0 | 4.1 | 4.2 | 88% |
| Citizens Bank | Bank | 4.0 | 4.1 | 4.2 | 87% |
Best Kentucky Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for Kentucky residents are Rocket Mortgage, U.S. Bank, and Commonwealth Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | $50k-$3M | 6.25% – 8.50% | 15/20/30 | 4.5 | 4.0 | 4.5 | 95% |
| U.S. Bank | $50k-$2M | 6.15% – 8.25% | 10/15/20/30 | 4.0 | 4.0 | 4.0 | 93% |
| Commonwealth Credit Union | $50k-$1M | 5.99% – 7.99% | 15/20/30 | 4.0 | 4.5 | 4.5 | 94% |
| Bank of America | $50k-$2M | 6.50% – 8.75% | 15/20/30 | 4.0 | 3.5 | 4.0 | 90% |
| Park Community Credit Union | $50k-$750k | 6.00% – 8.25% | 15/20/30 | 3.5 | 4.0 | 4.0 | 89% |
| NFM Lending | $50k-$2M | 6.00% – 8.25% | 15/20/30 | 4.5 | 4.5 | 4.0 | 94% |
| New American Funding | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.5 | 93% |
| Bison State Bank | $50k-$1.5M | 6.50% – 9.00% | 15/20/30 | 4.0 | 4.0 | 4.0 | 92% |
| Chase | $50k-$2M | 6.75% – 9.25% | 15/20/30 | 3.5 | 3.5 | 3.5 | 85% |
| First Kentucky Bank | $50k-$1M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 3.5 | 88% |
| Republic Bank | $50k-$1M | 6.50% – 9.00% | 15/20/30 | 3.5 | 3.5 | 3.5 | 86% |
| Movement Mortgage | $50k-$1.5M | 6.75% – 9.25% | 15/20/30 | 4.0 | 3.5 | 4.0 | 85% |
| Sage Home Loans | $50k-$2M | 6.00% – 8.25% | 15/20/30 | 4.0 | 4.0 | 4.0 | 84% |
| Tomo Mortgage | $50k-$2M | 5.95% – 8.25% | 15/20/30 | 4.5 | 4.5 | 4.0 | 83% |
| Zillow Home Loans | $50k-$2M | 6.25% – 8.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 82% |
