Mortgage Lenders in Kentucky
8 mortgage lenders serving Kentucky. Compare rates, loan programs, and read verified reviews.
Atlanta, GA
Leading non-QM wholesale lender. Angel Oak specializes in bank statement loans, DSCR loans, asset depletion, and recent credit event programs. Excellent for self-employed and investor borrowers.
Pontiac, MI
The #1 wholesale mortgage lender in the US. UWM offers conventional, FHA, VA, USDA, jumbo, and non-QM loans exclusively through licensed mortgage brokers. Known for fast closings and broker-focused technology.
Detroit, MI
America's largest retail mortgage lender. Rocket offers a fully digital mortgage experience for purchase and refinance. Best for borrowers who want a streamlined online process with strong brand recognition.
St. Louis, MO
St. Louis mortgage lender offering FHA, conventional, VA, and DSCR investor loans. Local experts, competitive rates.
Louisville, KY
Louisville mortgage lender serving Kentucky and surrounding states. VA, FHA, conventional, and DSCR investor loans.
Charleston, WV
Charleston WV mortgage lender. FHA, USDA, VA, and conventional loans. Rural housing specialists serving the Mountain State.
Westlake Village, CA
Top 5 national lender and servicer. PennyMac offers competitive conventional, FHA, VA, and USDA loans through retail and correspondent channels. Strong in purchase and refinance.
Foothill Ranch, CA
One of the nation's largest non-bank mortgage lenders. loanDepot offers retail and wholesale channels with competitive rates on conventional, FHA, VA, and jumbo loans.
Finding a Mortgage in Kentucky — FAQ
What mortgage programs are available in Kentucky?
Kentucky borrowers have access to conventional loans (Fannie/Freddie), FHA loans (3.5% down), VA loans (0% down for veterans), USDA rural loans, jumbo loans, and non-QM products for self-employed buyers.
What credit score do I need to buy a home in Kentucky?
FHA loans in Kentucky require a minimum 580 FICO (or 500 with 10% down). Conventional loans typically require 620+. For the best rates on jumbo or non-QM loans, aim for 720+.
Are there first-time homebuyer programs in Kentucky?
Yes — many Kentucky lenders offer state-specific down payment assistance, bond programs, and first-time buyer grants. Ask about the Kentucky Housing Finance Agency programs when comparing lenders.
How do I compare mortgage lenders in Kentucky?
Compare APR (not just rate), lender fees, closing timeline, and reviews. Licensed Kentucky lenders are regulated and must be NMLS-registered. Use Lender Blackbook to compare side-by-side and contact multiple lenders.
Are you a mortgage lender in Kentucky?
Claim your free listing on Lender Blackbook and connect with homebuyers in your market.
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