# Best Conventional Mortgage Lenders in Elizabethtown, KY

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Elizabethtown, KY. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/elizabethtown-ky/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 33
- **Total Loans:** 1,310
- **Median Rate Spread:** 0.22351515151515153%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Abound Federal Credit Union | 89 | 91 | 63 | 122 | Credit Union |
| 2 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 33 | Credit Union |
| 3 | German American Bank | 80 | 65 | 62 | 24 | Bank |
| 4 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 236 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 123 | Independent Mortgage Company |
| 6 | SOUTH CENTRAL BANK, INC. | 79 | 56 | 73 | 121 | Bank |
| 7 | Northpointe Bank | 79 | 49 | 62 | 52 | Bank |
| 8 | The Cecilian Bank | 79 | 43 | 70 | 46 | Bank |
| 9 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 31 | Independent Mortgage Company |
| 10 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 20 | Bank |
| 11 | WesBanco Bank, Inc. | 73 | 52 | 70 | 13 | Bank |
| 12 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 11 | Independent Mortgage Company |
| 13 | PNC Bank, National Association | 71 | 75 | 63 | 10 | Bank |
| 14 | INSPIRE HOME LOANS INC. | 67 | 40 | 61 | 41 | Independent Mortgage Company |
| 15 | Mortgage Research Center, LLC | 66 | 34 | 43 | 116 | Independent Mortgage Company |
| 16 | T2 FINANCIAL LLC | 66 | 26 | 77 | 22 | Independent Mortgage Company |
| 17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 17 | Independent Mortgage Company |
| 18 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 11 | Independent Mortgage Company |
| 19 | Magnolia Bank, Incorporated | 63 | 37 | 70 | 17 | Bank |
| 20 | Bank of Buffalo | 48 | N/A | 76 | 14 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Elizabethtown, KY.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.