🛡️
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 Bank Mortgage Lenders in Kentucky
Updated February 6, 2026
Market Overview
39
Total Lenders
14,388
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Central Bank & Trust Company | Exceptional | Exceptional | Strong | Exceptional | $408 | -0.091% | 321 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $939 | -0.138% | 240 | |
3 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $985 | +0.356% | 1,087 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $904 | +0.353% | 740 | |
5 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $879 | +0.133% | 700 | |
6 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Exceptional | $1,173 | +0.186% | 455 | |
7 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Strong | $734 | +0.036% | 165 | |
8 | Republic Bank & Trust Company | Strong | Strong | Sound | Exceptional | $963 | +0.190% | 534 | |
9 | Truist Bank | Strong | Strong | Strong | Strong | -$1,079 | +0.293% | 397 | |
10 | The Huntington National Bank | Strong | Strong | Strong | Strong | $66 | +0.365% | 369 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $206 | +0.232% | 361 | |
12 | City National Bank of West Virginia | Strong | Strong | Strong | Strong | -$73 | -0.094% | 191 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,839 | -0.131% | 103 | |
14 | Northpointe Bank | Strong | Sound | Strong | Exceptional | $3,158 | +0.331% | 801 | |
15 | Guardian Savings Bank | Strong | Sound | Strong | Exceptional | $1,190 | +0.159% | 756 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,997 | +0.255% | 756 | |
17 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,752 | +0.362% | 455 | |
18 | Traditional Bank, Inc. | Strong | Sound | Strong | Exceptional | $1,012 | +0.164% | 209 | |
19 | German American Bank | Strong | Strong | Sound | Strong | $1,010 | +0.307% | 204 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,552 | +0.151% | 168 | |
21 | Peoples Bank | Strong | Strong | Sound | Strong | $634 | +0.517% | 110 | |
22 | Heartland Bank | Strong | Strong | Sound | Strong | $962 | +0.237% | 98 | |
23 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Exceptional | $1,615 | +0.307% | 671 | |
24 | Independence Bank of Kentucky | Strong | Sound | Sound | Exceptional | $1,441 | +0.191% | 294 | |
25 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,612 | +0.147% | 144 | |
26 | Regions Bank | Strong | Sound | Strong | Strong | $1,087 | +0.511% | 108 | |
27 | Community Trust Bank, Inc. | Strong | Acceptable | Strong | Exceptional | $895 | +0.162% | 589 | |
28 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,699 | -0.172% | 233 | |
29 | Whitaker Bank | Strong | Acceptable | Strong | Exceptional | $957 | -0.230% | 205 | |
30 | The Cecilian Bank | Strong | Sound | Sound | Strong | $1,458 | -0.228% | 188 | |
31 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $2,138 | +0.146% | 129 | |
32 | Bank of England | Strong | Acceptable | Strong | Strong | $3,142 | +0.499% | 328 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,930 | +0.391% | 195 | |
34 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,225 | +0.461% | 191 | |
35 | Forcht Bank, National Association | Sound | Acceptable | Sound | Strong | $929 | +0.319% | 154 | |
36 | Edmonton State Bank | Sound | Mediocre | Sound | Exceptional | $1,983 | +0.718% | 222 | |
37 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $2,848 | +0.707% | 146 | |
38 | First Southern National Bank | Sound | Mediocre | Sound | Strong | $1,326 | +0.360% | 126 | |
39 | The Federal Savings Bank | Sound | Mediocre | Sound | Strong | $3,070 | +0.539% | 101 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Kentucky
No credit impact
3-minute process
100% free