# Best FHA Mortgage Lenders in Elizabethtown, KY

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

Compare the top FHA 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/fha-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 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 236 | Independent Mortgage Company |
| 2 | SOUTH CENTRAL BANK, INC. | 85 | 79 | 68 | 121 | Bank |
| 3 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 43 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 123 | Independent Mortgage Company |
| 5 | Northpointe Bank | 79 | 51 | 63 | 52 | Bank |
| 6 | INSPIRE HOME LOANS INC. | 79 | 53 | 75 | 41 | Independent Mortgage Company |
| 7 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 31 | Independent Mortgage Company |
| 8 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 19 | Independent Mortgage Company |
| 9 | German American Bank | 74 | 79 | 56 | 24 | Bank |
| 10 | Mortgage Research Center, LLC | 70 | 34 | 54 | 116 | Independent Mortgage Company |
| 11 | T2 FINANCIAL LLC | 70 | 29 | 82 | 22 | Independent Mortgage Company |
| 12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 70 | 20 | 82 | 17 | Independent Mortgage Company |
| 13 | RUOFF MORTGAGE COMPANY, INC. | 66 | 36 | 66 | 15 | Independent Mortgage Company |
| 14 | EVERETT FINANCIAL, INC. | 59 | 9 | 80 | 17 | Independent Mortgage Company |
| 15 | CARRINGTON MORTGAGE SERVICES, LLC | 56 | 29 | 56 | 10 | Independent Mortgage Company |
| 16 | NEW AMERICAN FUNDING, LLC | 52 | 19 | 57 | 17 | Independent Mortgage Company |

## 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.