Top Mortgage Lenders in Elizabethtown, KY

Which mortgage lender in the Elizabethtown, KY area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Elizabethtown, KY area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Elizabethtown, KY area is South Central Bank Inc, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.12%. This means that South Central Bank Inc provided a -0.12% lower interest rate for its customers than other lenders in Elizabethtown, KY for a similar set of borrowers. South Central Bank Inc has a market share of 11.5%. On the other hand, the most popular lender in the market is Commonwealth Bank and Trust Company, with a market share of 16.0%. Commonwealth Bank and Trust Company is an average rate lender in this area, with a “Rate Difference” of -0.07% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Elizabethtown, KY area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Elizabethtown, KY is South Central Bank Inc. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is Fort Knox Federal Credit Union. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is South Central Bank Inc. The cheapest VA mortgage provider is Navy Federal Credit Union. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Elizabethtown, KY

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.12% 11.48%
Fort Knox Federal Credit Union 2, -0.10% 9.73%
Commonwealth Bank and Trust Company 3, -0.07% 15.97%
Navy Federal Credit Union 4, -0.05% 4.99%
Citizens Bank 5, -0.05% 4.43%
JPMorgan Chase Bank 6, -0.02% 2.81%
Pnc Bank 7, -0.01% 4.30%
Usaa Federal Savings Bank 8, 0.00% 5.68%
WesBanco Bank, Inc 9, 0.02% 2.74%
Magnolia Bank Incorporated 10, 0.03% 2.74%
Carrington Mortgage Services 11, 0.04% 3.12%
Quicken Loans 12, 0.08% 11.79%
Century Mortgage Company DBA Century Lending Company 13, 0.11% 9.98%
Amerifirst Financial Corporation 14, 0.13% 6.61%
The Cecilian Bank 15, 0.22% 3.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.12% 14.41%
Fort Knox Federal Credit Union 2, -0.08% 5.27%
JPMorgan Chase Bank 3, -0.07% 2.80%
Navy Federal Credit Union 4, -0.05% 6.56%
Commonwealth Bank and Trust Company 5, -0.04% 19.89%
Citizens Bank 6, -0.03% 4.09%
Pnc Bank 7, -0.00% 2.04%
Usaa Federal Savings Bank 8, 0.01% 7.42%
Magnolia Bank Incorporated 9, 0.01% 1.83%
WesBanco Bank, Inc 10, 0.02% 3.44%
Quicken Loans 11, 0.03% 5.48%
Carrington Mortgage Services 12, 0.09% 0.86%
Century Mortgage Company DBA Century Lending Company 13, 0.12% 15.16%
Amerifirst Financial Corporation 14, 0.13% 9.14%
The Cecilian Bank 15, 0.14% 1.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Commonwealth Bank and Trust Company 1, -0.14% 10.55%
South Central Bank Inc 2, -0.14% 7.43%
Fort Knox Federal Credit Union 3, -0.10% 15.90%
Citizens Bank 4, -0.07% 4.90%
Navy Federal Credit Union 5, -0.05% 2.82%
Usaa Federal Savings Bank 6, -0.04% 3.27%
Pnc Bank 7, -0.01% 7.43%
Century Mortgage Company DBA Century Lending Company 8, -0.01% 2.82%
WesBanco Bank, Inc 9, 0.03% 1.78%
Carrington Mortgage Services 10, 0.04% 6.24%
Magnolia Bank Incorporated 11, 0.04% 4.01%
JPMorgan Chase Bank 12, 0.06% 2.82%
Quicken Loans 13, 0.11% 20.51%
Amerifirst Financial Corporation 14, 0.14% 3.12%
The Cecilian Bank 15, 0.25% 6.39%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.14% 10.09%
Fort Knox Federal Credit Union 2, -0.11% 18.57%
Citizens Bank 3, -0.07% 6.27%
JPMorgan Chase Bank 4, -0.03% 4.92%
Pnc Bank 5, -0.02% 8.12%
Commonwealth Bank and Trust Company 6, -0.01% 7.50%
Carrington Mortgage Services 7, 0.01% 0.37%
Century Mortgage Company DBA Century Lending Company 8, 0.01% 8.49%
WesBanco Bank, Inc 9, 0.03% 3.57%
Usaa Federal Savings Bank 10, 0.04% 2.34%
Magnolia Bank Incorporated 11, 0.05% 2.58%
Quicken Loans 12, 0.10% 12.30%
Amerifirst Financial Corporation 13, 0.13% 4.67%
Navy Federal Credit Union 14, 0.13% 3.08%
The Cecilian Bank 15, 0.21% 7.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.10% 11.29%
JPMorgan Chase Bank 2, -0.09% 5.91%
Fort Knox Federal Credit Union 3, -0.09% 12.37%
Citizens Bank 4, -0.03% 6.72%
Pnc Bank 5, -0.01% 4.57%
Commonwealth Bank and Trust Company 6, -0.00% 10.48%
Century Mortgage Company DBA Century Lending Company 7, 0.02% 15.05%
WesBanco Bank, Inc 8, 0.03% 5.38%
Quicken Loans 9, 0.04% 7.80%
Usaa Federal Savings Bank 10, 0.05% 4.03%
Magnolia Bank Incorporated 11, 0.05% 1.08%
Amerifirst Financial Corporation 12, 0.11% 5.65%
The Cecilian Bank 13, 0.13% 4.03%
Navy Federal Credit Union 14, 0.15% 5.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.18% 9.07%
Fort Knox Federal Credit Union 2, -0.11% 23.81%
Citizens Bank 3, -0.11% 5.90%
Century Mortgage Company DBA Century Lending Company 4, -0.04% 2.95%
Commonwealth Bank and Trust Company 5, -0.03% 4.99%
Pnc Bank 6, -0.02% 11.11%
Usaa Federal Savings Bank 7, -0.02% 0.91%
Carrington Mortgage Services 8, 0.01% 0.68%
Navy Federal Credit Union 9, 0.02% 0.91%
WesBanco Bank, Inc 10, 0.02% 2.04%
Magnolia Bank Incorporated 11, 0.04% 3.85%
JPMorgan Chase Bank 12, 0.04% 4.08%
Quicken Loans 13, 0.13% 16.10%
Amerifirst Financial Corporation 14, 0.14% 3.85%
The Cecilian Bank 15, 0.24% 9.75%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.17% 16.89%
Citizens Bank 2, -0.08% 2.03%
Commonwealth Bank and Trust Company 3, -0.06% 21.62%
Quicken Loans 4, -0.05% 12.84%
WesBanco Bank, Inc 5, -0.04% 2.70%
Magnolia Bank Incorporated 6, -0.03% 3.38%
Pnc Bank 7, -0.02% 0.34%
Navy Federal Credit Union 8, -0.01% 0.68%
Carrington Mortgage Services 9, -0.01% 6.42%
JPMorgan Chase Bank 10, 0.00% 0.34%
Amerifirst Financial Corporation 11, 0.16% 12.84%
Century Mortgage Company DBA Century Lending Company 12, 0.16% 19.93%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
South Central Bank Inc 1, -0.19% 19.18%
Citizens Bank 2, -0.08% 2.45%
Commonwealth Bank and Trust Company 3, -0.07% 25.31%
WesBanco Bank, Inc 4, -0.06% 2.45%
Quicken Loans 5, -0.04% 5.31%
Magnolia Bank Incorporated 6, -0.04% 4.08%
Pnc Bank 7, -0.02% 0.41%
Navy Federal Credit Union 8, -0.02% 0.41%
JPMorgan Chase Bank 9, -0.00% 0.41%
Carrington Mortgage Services 10, 0.05% 2.04%
Century Mortgage Company DBA Century Lending Company 11, 0.16% 23.67%
Amerifirst Financial Corporation 12, 0.16% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.02% 49.02%
Carrington Mortgage Services 2, -0.00% 27.45%
WesBanco Bank, Inc 3, 0.01% 3.92%
Navy Federal Credit Union 4, 0.02% 1.96%
South Central Bank Inc 5, 0.02% 5.88%
Commonwealth Bank and Trust Company 6, 0.03% 3.92%
Century Mortgage Company DBA Century Lending Company 7, 0.05% 1.96%
Amerifirst Financial Corporation 8, 0.07% 5.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fort Knox Federal Credit Union 1, 0.00% 66.67%
Citizens Bank 2, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Fort Knox Federal Credit Union 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.12% 10.79%
Commonwealth Bank and Trust Company 2, -0.09% 26.68%
South Central Bank Inc 3, -0.06% 10.59%
Fort Knox Federal Credit Union 4, 0.01% 0.61%
Usaa Federal Savings Bank 5, 0.02% 14.66%
Citizens Bank 6, 0.03% 2.65%
WesBanco Bank, Inc 7, 0.04% 1.43%
Magnolia Bank Incorporated 8, 0.05% 2.65%
JPMorgan Chase Bank 9, 0.05% 0.81%
Pnc Bank 10, 0.05% 0.41%
Carrington Mortgage Services 11, 0.09% 5.70%
Amerifirst Financial Corporation 12, 0.10% 6.11%
Quicken Loans 13, 0.13% 10.39%
Century Mortgage Company DBA Century Lending Company 14, 0.18% 6.52%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.14% 12.50%
South Central Bank Inc 2, -0.07% 14.42%
Commonwealth Bank and Trust Company 3, -0.04% 26.92%
Fort Knox Federal Credit Union 4, 0.01% 0.96%
Usaa Federal Savings Bank 5, 0.03% 17.31%
Pnc Bank 6, 0.03% 0.32%
Citizens Bank 7, 0.04% 1.92%
WesBanco Bank, Inc 8, 0.04% 1.92%
JPMorgan Chase Bank 9, 0.04% 0.96%
Magnolia Bank Incorporated 10, 0.07% 0.96%
Quicken Loans 11, 0.08% 2.88%
Amerifirst Financial Corporation 12, 0.10% 9.29%
Carrington Mortgage Services 13, 0.12% 0.96%
Century Mortgage Company DBA Century Lending Company 14, 0.20% 8.65%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Commonwealth Bank and Trust Company 1, -0.18% 26.26%
Navy Federal Credit Union 2, -0.05% 7.82%
South Central Bank Inc 3, -0.03% 3.91%
Usaa Federal Savings Bank 4, -0.02% 10.06%
Citizens Bank 5, 0.03% 3.91%
WesBanco Bank, Inc 6, 0.04% 0.56%
Magnolia Bank Incorporated 7, 0.05% 5.59%
Amerifirst Financial Corporation 8, 0.05% 0.56%
Century Mortgage Company DBA Century Lending Company 9, 0.06% 2.79%
JPMorgan Chase Bank 10, 0.07% 0.56%
Pnc Bank 11, 0.07% 0.56%
Carrington Mortgage Services 12, 0.09% 13.97%
Quicken Loans 13, 0.15% 23.46%

* Data is compiled for the Elizabethtown, KY commuting zone area, which comprises of counties of Breckinridge County, KY, Grayson County, KY, Hardin County, KY, Larue County, KY, and Meade County, KY. This includes cities/towns/communities of Elizabethtown, KY as well as Vine Grove, KY, Radcliff, KY, Brandenburg, KY, Cecilia, KY, Sonora, KY, Leitchfield, KY, Buffalo, KY, Hardinsburg, KY, Magnolia, KY, Irvington, KY, Caneyville, KY, Cloverport, KY, Clarkson, KY, West Point, KY, Muldraugh, KY, and Fort Knox, KY. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Elizabethtown, KY area. For mortgage lender rankings of other cities, click here.