Which mortgage lender in the Elizabethtown, KY area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Elizabethtown, KY area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Elizabethtown, KY area in terms of interest rate is South Central Bank, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, South Central Bank provided a -0.11% lower interest rate for its customers than other lenders in the area. South Central Bank has a market share of 13.4%. On the other hand, the most popular lender in the Elizabethtown, KY area is Commonwealth Bank and Trust Company, with a larger market share of 18.7%. Commonwealth Bank and Trust Company is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.06% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in 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, going by historical data, the cheapest lender for Conventional mortgages in Elizabethtown, KY is South Central Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Abound 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. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Elizabethtown, KY
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.11% | 13.43% | |
| Abound Credit Union | -0.09% | 11.39% | |
| Commonwealth Bank and Trust Company | -0.06% | 18.69% | |
| Navy Federal Credit Union | -0.04% | 5.84% | |
| JPMorgan Chase Bank | -0.01% | 3.28% | |
| PNC Bank | 0.00% | 5.04% | |
| USAA | 0.01% | 6.64% | |
| WesBanco | 0.03% | 3.21% | |
| Magnolia Bank | 0.04% | 3.21% | |
| Carrington Mortgage Services | 0.05% | 3.65% | |
| Quicken Loans | 0.10% | 13.65% | |
| Amerifirst Home Mortgage | 0.14% | 7.74% | |
| The Cecilian Bank | 0.23% | 4.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.10% | 17.87% | |
| Abound Credit Union | -0.06% | 6.53% | |
| JPMorgan Chase Bank | -0.05% | 3.47% | |
| Navy Federal Credit Union | -0.03% | 8.13% | |
| Commonwealth Bank and Trust Company | -0.02% | 24.67% | |
| PNC Bank | 0.02% | 2.53% | |
| USAA | 0.03% | 9.20% | |
| Magnolia Bank | 0.03% | 2.27% | |
| WesBanco | 0.04% | 4.27% | |
| Quicken Loans | 0.05% | 6.67% | |
| Carrington Mortgage Services | 0.11% | 1.07% | |
| Amerifirst Home Mortgage | 0.15% | 11.33% | |
| The Cecilian Bank | 0.16% | 2.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Commonwealth Bank and Trust Company | -0.15% | 11.45% | |
| South Central Bank | -0.15% | 8.06% | |
| Abound Credit Union | -0.10% | 17.26% | |
| Navy Federal Credit Union | -0.05% | 3.06% | |
| USAA | -0.05% | 3.55% | |
| PNC Bank | -0.01% | 8.06% | |
| WesBanco | 0.03% | 1.94% | |
| Carrington Mortgage Services | 0.04% | 6.77% | |
| Magnolia Bank | 0.04% | 4.35% | |
| JPMorgan Chase Bank | 0.05% | 3.06% | |
| Quicken Loans | 0.10% | 22.10% | |
| Amerifirst Home Mortgage | 0.13% | 3.39% | |
| The Cecilian Bank | 0.25% | 6.94% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.14% | 11.83% | |
| Abound Credit Union | -0.11% | 21.79% | |
| JPMorgan Chase Bank | -0.03% | 5.77% | |
| PNC Bank | -0.02% | 9.52% | |
| Commonwealth Bank and Trust Company | -0.01% | 8.80% | |
| Carrington Mortgage Services | 0.01% | 0.43% | |
| WesBanco | 0.02% | 4.18% | |
| USAA | 0.03% | 2.74% | |
| Magnolia Bank | 0.04% | 3.03% | |
| Quicken Loans | 0.10% | 14.43% | |
| Amerifirst Home Mortgage | 0.12% | 5.48% | |
| Navy Federal Credit Union | 0.13% | 3.61% | |
| The Cecilian Bank | 0.21% | 8.37% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.10% | 14.43% | |
| JPMorgan Chase Bank | -0.09% | 7.56% | |
| Abound Credit Union | -0.09% | 15.81% | |
| PNC Bank | -0.00% | 5.84% | |
| Commonwealth Bank and Trust Company | 0.00% | 13.40% | |
| WesBanco | 0.03% | 6.87% | |
| Quicken Loans | 0.04% | 9.97% | |
| USAA | 0.05% | 5.15% | |
| Magnolia Bank | 0.05% | 1.37% | |
| Amerifirst Home Mortgage | 0.12% | 7.22% | |
| The Cecilian Bank | 0.13% | 5.15% | |
| Navy Federal Credit Union | 0.15% | 7.22% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.19% | 9.95% | |
| Abound Credit Union | -0.12% | 26.12% | |
| Commonwealth Bank and Trust Company | -0.04% | 5.47% | |
| PNC Bank | -0.03% | 12.19% | |
| USAA | -0.02% | 1.00% | |
| Carrington Mortgage Services | 0.00% | 0.75% | |
| Navy Federal Credit Union | 0.01% | 1.00% | |
| WesBanco | 0.02% | 2.24% | |
| Magnolia Bank | 0.04% | 4.23% | |
| JPMorgan Chase Bank | 0.04% | 4.48% | |
| Quicken Loans | 0.12% | 17.66% | |
| Amerifirst Home Mortgage | 0.14% | 4.23% | |
| The Cecilian Bank | 0.23% | 10.70% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.13% | 21.65% | |
| Commonwealth Bank and Trust Company | -0.02% | 27.71% | |
| Quicken Loans | -0.01% | 16.45% | |
| WesBanco | -0.00% | 3.46% | |
| Magnolia Bank | 0.01% | 4.33% | |
| PNC Bank | 0.02% | 0.43% | |
| Navy Federal Credit Union | 0.03% | 0.87% | |
| Carrington Mortgage Services | 0.03% | 8.23% | |
| JPMorgan Chase Bank | 0.04% | 0.43% | |
| Amerifirst Home Mortgage | 0.19% | 16.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| South Central Bank | -0.14% | 25.97% | |
| Commonwealth Bank and Trust Company | -0.02% | 34.25% | |
| WesBanco | -0.01% | 3.31% | |
| Quicken Loans | 0.00% | 7.18% | |
| Magnolia Bank | 0.01% | 5.52% | |
| PNC Bank | 0.02% | 0.55% | |
| Navy Federal Credit Union | 0.03% | 0.55% | |
| JPMorgan Chase Bank | 0.04% | 0.55% | |
| Carrington Mortgage Services | 0.10% | 2.76% | |
| Amerifirst Home Mortgage | 0.21% | 19.34% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.02% | 50.00% | |
| Carrington Mortgage Services | 0.00% | 28.00% | |
| WesBanco | 0.01% | 4.00% | |
| Navy Federal Credit Union | 0.02% | 2.00% | |
| South Central Bank | 0.02% | 6.00% | |
| Commonwealth Bank and Trust Company | 0.03% | 4.00% | |
| Amerifirst Home Mortgage | 0.07% | 6.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Abound Credit Union | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Abound Credit Union | 0.00% | 100.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.10% | 11.94% | |
| Commonwealth Bank and Trust Company | -0.08% | 29.50% | |
| South Central Bank | -0.05% | 11.71% | |
| Abound Credit Union | 0.03% | 0.68% | |
| USAA | 0.03% | 16.22% | |
| WesBanco | 0.06% | 1.58% | |
| Magnolia Bank | 0.06% | 2.93% | |
| JPMorgan Chase Bank | 0.07% | 0.90% | |
| PNC Bank | 0.07% | 0.45% | |
| Carrington Mortgage Services | 0.11% | 6.31% | |
| Amerifirst Home Mortgage | 0.12% | 6.76% | |
| Quicken Loans | 0.15% | 11.04% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.12% | 14.03% | |
| South Central Bank | -0.05% | 16.19% | |
| Commonwealth Bank and Trust Company | -0.02% | 30.22% | |
| Abound Credit Union | 0.03% | 1.08% | |
| USAA | 0.05% | 19.42% | |
| PNC Bank | 0.05% | 0.36% | |
| WesBanco | 0.06% | 2.16% | |
| JPMorgan Chase Bank | 0.06% | 1.08% | |
| Magnolia Bank | 0.09% | 1.08% | |
| Quicken Loans | 0.11% | 2.88% | |
| Amerifirst Home Mortgage | 0.12% | 10.43% | |
| Carrington Mortgage Services | 0.14% | 1.08% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Commonwealth Bank and Trust Company | -0.18% | 28.31% | |
| Navy Federal Credit Union | -0.05% | 8.43% | |
| South Central Bank | -0.03% | 4.22% | |
| USAA | -0.02% | 10.84% | |
| WesBanco | 0.05% | 0.60% | |
| Magnolia Bank | 0.05% | 6.02% | |
| Amerifirst Home Mortgage | 0.05% | 0.60% | |
| JPMorgan Chase Bank | 0.07% | 0.60% | |
| PNC Bank | 0.08% | 0.60% | |
| Carrington Mortgage Services | 0.10% | 15.06% | |
| Quicken Loans | 0.16% | 24.70% |
* 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 of the data is 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 conditional on the commuting zone, 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 in Other Cities
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