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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Kentucky
Updated February 6, 2026
Market Overview
229
Total Lenders
45,654
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $897 | +0.033% | 782 | |
2 | Abound Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | -$227 | -0.162% | 375 | |
3 | Central Bank & Trust Company | Exceptional | Exceptional | Strong | Exceptional | $408 | -0.091% | 321 | |
4 | Liberty | Exceptional | Strong | Exceptional | Exceptional | $1,087 | +0.376% | 1,083 | |
5 | COMMONWEALTH | Exceptional | Exceptional | Sound | Exceptional | $652 | -0.086% | 264 | |
6 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $939 | -0.138% | 240 | |
7 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $985 | +0.356% | 1,087 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $904 | +0.353% | 740 | |
9 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $879 | +0.133% | 700 | |
10 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Exceptional | $1,173 | +0.186% | 455 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $585 | -0.460% | 358 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,755 | -0.004% | 291 | |
13 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,314 | +0.182% | 196 | |
14 | Park Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $57 | -0.163% | 165 | |
15 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Strong | $734 | +0.036% | 165 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,197 | +0.428% | 3,600 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,775 | +0.513% | 746 | |
18 | Republic Bank & Trust Company | Strong | Strong | Sound | Exceptional | $963 | +0.190% | 534 | |
19 | Truist Bank | Strong | Strong | Strong | Strong | -$1,079 | +0.293% | 397 | |
20 | The Huntington National Bank | Strong | Strong | Strong | Strong | $66 | +0.365% | 369 | |
21 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $206 | +0.232% | 361 | |
22 | City National Bank of West Virginia | Strong | Strong | Strong | Strong | -$73 | -0.094% | 191 | |
23 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,839 | -0.131% | 103 | |
24 | Northpointe Bank | Strong | Sound | Strong | Exceptional | $3,158 | +0.331% | 801 | |
25 | Guardian Savings Bank | Strong | Sound | Strong | Exceptional | $1,190 | +0.159% | 756 | |
26 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,997 | +0.255% | 756 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,178 | +0.393% | 709 | |
28 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,939 | +0.361% | 685 | |
29 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,752 | +0.362% | 455 | |
30 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $838 | +0.362% | 273 | |
31 | Traditional Bank, Inc. | Strong | Sound | Strong | Exceptional | $1,012 | +0.164% | 209 | |
32 | German American Bank | Strong | Strong | Sound | Strong | $1,010 | +0.307% | 204 | |
33 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,552 | +0.151% | 168 | |
34 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $3,196 | +0.140% | 156 | |
35 | Peoples Bank | Strong | Strong | Sound | Strong | $634 | +0.517% | 110 | |
36 | Heartland Bank | Strong | Strong | Sound | Strong | $962 | +0.237% | 98 | |
37 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $1,521 | +0.509% | 95 | |
38 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,455 | +0.463% | 3,590 | |
39 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Exceptional | $1,615 | +0.307% | 671 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,204 | +0.498% | 612 | |
41 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,791 | +0.246% | 428 | |
42 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,632 | +0.013% | 352 | |
43 | L & N Federal Credit Union | Strong | Sound | Sound | Exceptional | $405 | +0.067% | 327 | |
44 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,164 | +0.414% | 304 | |
45 | Independence Bank of Kentucky | Strong | Sound | Sound | Exceptional | $1,441 | +0.191% | 294 | |
46 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Strong | $2,957 | +0.470% | 246 | |
47 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $1,025 | +0.451% | 177 | |
48 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,612 | +0.147% | 144 | |
49 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Strong | $1,580 | +0.260% | 119 | |
50 | Regions Bank | Strong | Sound | Strong | Strong | $1,087 | +0.511% | 108 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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