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, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Elizabethtown, KY area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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, 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 (for example, above $548,250 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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.11%(4.0)13.43%
Abound Credit Union-0.09%(4.0)11.39%
Commonwealth Bank and Trust Company-0.06%(4.0)18.69%
Navy Federal Credit Union-0.04%(3.5)5.84%
JPMorgan Chase Bank-0.01%(3.5)3.28%
PNC Bank0.00%(3.5)5.04%
USAA0.01%(3.5)6.64%
WesBanco0.03%(3.5)3.21%
Magnolia Bank0.04%(3.5)3.21%
Carrington Mortgage Services0.05%(3.0)3.65%
Quicken Loans0.10%(3.0)13.65%
Amerifirst Home Mortgage0.14%(3.0)7.74%
The Cecilian Bank0.23%(2.5)4.23%
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.10%(4.0)17.87%
Abound Credit Union-0.06%(4.0)6.53%
JPMorgan Chase Bank-0.05%(4.0)3.47%
Navy Federal Credit Union-0.03%(3.5)8.13%
Commonwealth Bank and Trust Company-0.02%(3.5)24.67%
PNC Bank0.02%(3.5)2.53%
USAA0.03%(3.5)9.20%
Magnolia Bank0.03%(3.5)2.27%
WesBanco0.04%(3.5)4.27%
Quicken Loans0.05%(3.0)6.67%
Carrington Mortgage Services0.11%(3.0)1.07%
Amerifirst Home Mortgage0.15%(2.5)11.33%
The Cecilian Bank0.16%(2.5)2.00%
Lender NameRate DifferenceRate RatingMarket Share
Commonwealth Bank and Trust Company-0.15%(4.0)11.45%
South Central Bank-0.15%(4.0)8.06%
Abound Credit Union-0.10%(4.0)17.26%
Navy Federal Credit Union-0.05%(4.0)3.06%
USAA-0.05%(3.5)3.55%
PNC Bank-0.01%(3.5)8.06%
WesBanco0.03%(3.5)1.94%
Carrington Mortgage Services0.04%(3.5)6.77%
Magnolia Bank0.04%(3.5)4.35%
JPMorgan Chase Bank0.05%(3.0)3.06%
Quicken Loans0.10%(3.0)22.10%
Amerifirst Home Mortgage0.13%(3.0)3.39%
The Cecilian Bank0.25%(2.5)6.94%
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.14%(4.0)11.83%
Abound Credit Union-0.11%(4.0)21.79%
JPMorgan Chase Bank-0.03%(3.5)5.77%
PNC Bank-0.02%(3.5)9.52%
Commonwealth Bank and Trust Company-0.01%(3.5)8.80%
Carrington Mortgage Services0.01%(3.5)0.43%
WesBanco0.02%(3.5)4.18%
USAA0.03%(3.5)2.74%
Magnolia Bank0.04%(3.5)3.03%
Quicken Loans0.10%(3.0)14.43%
Amerifirst Home Mortgage0.12%(3.0)5.48%
Navy Federal Credit Union0.13%(3.0)3.61%
The Cecilian Bank0.21%(2.5)8.37%
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.10%(4.0)14.43%
JPMorgan Chase Bank-0.09%(4.0)7.56%
Abound Credit Union-0.09%(4.0)15.81%
PNC Bank-0.00%(3.5)5.84%
Commonwealth Bank and Trust Company0.00%(3.5)13.40%
WesBanco0.03%(3.5)6.87%
Quicken Loans0.04%(3.5)9.97%
USAA0.05%(3.0)5.15%
Magnolia Bank0.05%(3.0)1.37%
Amerifirst Home Mortgage0.12%(3.0)7.22%
The Cecilian Bank0.13%(3.0)5.15%
Navy Federal Credit Union0.15%(2.5)7.22%
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.19%(4.5)9.95%
Abound Credit Union-0.12%(4.0)26.12%
Commonwealth Bank and Trust Company-0.04%(3.5)5.47%
PNC Bank-0.03%(3.5)12.19%
USAA-0.02%(3.5)1.00%
Carrington Mortgage Services0.00%(3.5)0.75%
Navy Federal Credit Union0.01%(3.5)1.00%
WesBanco0.02%(3.5)2.24%
Magnolia Bank0.04%(3.5)4.23%
JPMorgan Chase Bank0.04%(3.5)4.48%
Quicken Loans0.12%(3.0)17.66%
Amerifirst Home Mortgage0.14%(3.0)4.23%
The Cecilian Bank0.23%(2.5)10.70%
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.13%(4.0)21.65%
Commonwealth Bank and Trust Company-0.02%(3.5)27.71%
Quicken Loans-0.01%(3.5)16.45%
WesBanco-0.00%(3.5)3.46%
Magnolia Bank0.01%(3.5)4.33%
PNC Bank0.02%(3.5)0.43%
Navy Federal Credit Union0.03%(3.5)0.87%
Carrington Mortgage Services0.03%(3.5)8.23%
JPMorgan Chase Bank0.04%(3.5)0.43%
Amerifirst Home Mortgage0.19%(2.5)16.45%
Lender NameRate DifferenceRate RatingMarket Share
South Central Bank-0.14%(4.0)25.97%
Commonwealth Bank and Trust Company-0.02%(3.5)34.25%
WesBanco-0.01%(3.5)3.31%
Quicken Loans0.00%(3.5)7.18%
Magnolia Bank0.01%(3.5)5.52%
PNC Bank0.02%(3.5)0.55%
Navy Federal Credit Union0.03%(3.5)0.55%
JPMorgan Chase Bank0.04%(3.5)0.55%
Carrington Mortgage Services0.10%(3.0)2.76%
Amerifirst Home Mortgage0.21%(2.5)19.34%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)50.00%
Carrington Mortgage Services0.00%(3.5)28.00%
WesBanco0.01%(3.5)4.00%
Navy Federal Credit Union0.02%(3.5)2.00%
South Central Bank0.02%(3.5)6.00%
Commonwealth Bank and Trust Company0.03%(3.5)4.00%
Amerifirst Home Mortgage0.07%(3.0)6.00%
Lender NameRate DifferenceRate RatingMarket Share
Abound Credit Union0.00%(3.5)100.00%
Insufficient data available.
Lender NameRate DifferenceRate RatingMarket Share
Abound Credit Union0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.10%(4.0)11.94%
Commonwealth Bank and Trust Company-0.08%(4.0)29.50%
South Central Bank-0.05%(3.5)11.71%
Abound Credit Union0.03%(3.5)0.68%
USAA0.03%(3.5)16.22%
WesBanco0.06%(3.0)1.58%
Magnolia Bank0.06%(3.0)2.93%
JPMorgan Chase Bank0.07%(3.0)0.90%
PNC Bank0.07%(3.0)0.45%
Carrington Mortgage Services0.11%(3.0)6.31%
Amerifirst Home Mortgage0.12%(3.0)6.76%
Quicken Loans0.15%(2.5)11.04%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.12%(4.0)14.03%
South Central Bank-0.05%(3.5)16.19%
Commonwealth Bank and Trust Company-0.02%(3.5)30.22%
Abound Credit Union0.03%(3.5)1.08%
USAA0.05%(3.5)19.42%
PNC Bank0.05%(3.0)0.36%
WesBanco0.06%(3.0)2.16%
JPMorgan Chase Bank0.06%(3.0)1.08%
Magnolia Bank0.09%(3.0)1.08%
Quicken Loans0.11%(3.0)2.88%
Amerifirst Home Mortgage0.12%(3.0)10.43%
Carrington Mortgage Services0.14%(3.0)1.08%
Lender NameRate DifferenceRate RatingMarket Share
Commonwealth Bank and Trust Company-0.18%(4.5)28.31%
Navy Federal Credit Union-0.05%(3.5)8.43%
South Central Bank-0.03%(3.5)4.22%
USAA-0.02%(3.5)10.84%
WesBanco0.05%(3.5)0.60%
Magnolia Bank0.05%(3.5)6.02%
Amerifirst Home Mortgage0.05%(3.0)0.60%
JPMorgan Chase Bank0.07%(3.0)0.60%
PNC Bank0.08%(3.0)0.60%
Carrington Mortgage Services0.10%(3.0)15.06%
Quicken Loans0.16%(2.5)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.

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