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Mortgage Lenders in Kentucky

40 mortgage lenders listed across 8 cities in Kentucky.

Mortgage Lenders in Kentucky by the numbers

Of the 22 mortgage lenders in Kentucky that publish their loan programs, 16 (73%) offer conventional loans, 14 (64%) offer VA loans and 11 (50%) offer FHA loans.

Conventional loans16 of 22 (73%)
VA loans14 of 22 (64%)
FHA loans11 of 22 (50%)
Jumbo loans11 of 22 (50%)
USDA loans9 of 22 (41%)
First-time buyer programs8 of 22 (36%)
Construction loans6 of 22 (27%)
Reverse mortgages6 of 22 (27%)
Down payment assistance5 of 22 (23%)
Renovation and 203(k) loans5 of 22 (23%)
HELOCs and home equity loans5 of 22 (23%)
Non-QM loans3 of 22 (14%)
  • 4
    advertise 3.5% down or less, including 3 with a 0% down option (typically VA or USDA)
  • 500
    lowest advertised minimum credit score; 2 lenders accept 580 or lower
  • 5 / 1
    licensed in one state only / licensed nationwide (of 17 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 22 of 40 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Mortgage Lenders by city in Kentucky

Featured mortgage lenders in Kentucky

Pick a city above to see every mortgage lender listed there.

Before you choose a mortgage lender in Kentucky

Confirm the company is licensed in Kentucky on NMLS Consumer Access, then request a Loan Estimate from at least three lenders and compare APR and closing costs, not just the rate.

Our guide to finding a mortgage lender walks through each step.