# Best Mortgage Lenders in Kentucky

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

Compare the top mortgage lenders in Kentucky. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/kentucky/best-mortgage-lenders


> **📋 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:** 229
- **Total Loans:** 45,654
- **Median Rate Spread:** 0.35091150442477875%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Liberty | 93 | 62 | 82 | 1,083 | Credit Union |
| 2 | VICTORY MORTGAGE, L.L.C. | 93 | 90 | 73 | 782 | Independent Mortgage Company |
| 3 | Abound Federal Credit Union | 93 | 91 | 62 | 375 | Credit Union |
| 4 | Central Bank & Trust Company | 93 | 93 | 75 | 321 | Bank |
| 5 | U.S. Bank National Association | 86 | 75 | 71 | 1,087 | Bank |
| 6 | Fifth Third Bank, National Association | 86 | 62 | 62 | 740 | Bank |
| 7 | Stock Yards Bank & Trust Company | 86 | 74 | 67 | 700 | Bank |
| 8 | SOUTH CENTRAL BANK, INC. | 86 | 63 | 74 | 455 | Bank |
| 9 | Old National Bank | 86 | 84 | 70 | 240 | Bank |
| 10 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 196 | Independent Mortgage Company |
| 11 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 3,600 | Independent Mortgage Company |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 84 | 46 | 83 | 746 | Independent Mortgage Company |
| 13 | COMMONWEALTH | 84 | 92 | 44 | 264 | Credit Union |
| 14 | Truist Bank | 80 | 70 | 68 | 397 | Bank |
| 15 | The Huntington National Bank | 80 | 61 | 75 | 369 | Bank |
| 16 | PNC Bank, National Association | 80 | 71 | 61 | 361 | Bank |
| 17 | City National Bank of West Virginia | 80 | 61 | 70 | 191 | Bank |
| 18 | Bank of America, National Association | 80 | 73 | 75 | 103 | Bank |
| 19 | Northpointe Bank | 78 | 47 | 62 | 801 | Bank |
| 20 | Guardian Savings Bank | 78 | 55 | 74 | 756 | Bank |
| 21 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 756 | Bank |
| 22 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 709 | Independent Mortgage Company |
| 23 | RUOFF MORTGAGE COMPANY, INC. | 78 | 43 | 75 | 685 | Independent Mortgage Company |
| 24 | Republic Bank & Trust Company | 78 | 75 | 55 | 534 | Bank |
| 25 | First Financial Bank | 78 | 42 | 72 | 455 | Bank |
| 26 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 358 | Credit Union |
| 27 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 291 | Independent Mortgage Company |
| 28 | Traditional Bank, Inc. | 78 | 48 | 61 | 209 | Bank |
| 29 | Peoples Exchange Bank | 78 | 89 | 51 | 165 | Bank |
| 30 | Park Federal Credit Union | 78 | 93 | 52 | 165 | Credit Union |
| 31 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 156 | Independent Mortgage Company |
| 32 | GoPrime Mortgage, Inc. | 78 | 42 | 86 | 95 | Independent Mortgage Company |
| 33 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 3,590 | Independent Mortgage Company |
| 34 | Magnolia Bank, Incorporated | 74 | 37 | 82 | 671 | Bank |
| 35 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 612 | Independent Mortgage Company |
| 36 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 428 | Independent Mortgage Company |
| 37 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 352 | Independent Mortgage Company |
| 38 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 304 | Independent Mortgage Company |
| 39 | FIRST EQUITY MORTGAGE INCORPORATED | 73 | 72 | 42 | 273 | Independent Mortgage Company |
| 40 | REPUBLIC STATE MORTGAGE CO. | 73 | 45 | 71 | 246 | Independent Mortgage Company |
| 41 | German American Bank | 73 | 66 | 52 | 204 | Bank |
| 42 | GERSHMAN INVESTMENT CORP. | 73 | 55 | 79 | 177 | Independent Mortgage Company |
| 43 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 168 | Bank |
| 44 | WesBanco Bank, Inc. | 73 | 58 | 70 | 144 | Bank |
| 45 | THE MORTGAGE WAREHOUSE,LLC | 73 | 57 | 67 | 119 | Independent Mortgage Company |
| 46 | Peoples Bank | 73 | 69 | 56 | 110 | Bank |
| 47 | Regions Bank | 73 | 41 | 64 | 108 | Bank |
| 48 | Heartland Bank | 73 | 61 | 58 | 98 | Bank |
| 49 | L & N Federal Credit Union | 71 | 46 | 55 | 327 | Credit Union |
| 50 | Independence Bank of Kentucky | 71 | 55 | 53 | 294 | 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 Kentucky.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.