# Best Bank Mortgage Lenders in Kentucky

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

Compare the top banks offering mortgages in Kentucky. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Central Bank & Trust Company | 93 | 93 | 75 | 321 | Bank |
| 2 | U.S. Bank National Association | 86 | 75 | 71 | 1,087 | Bank |
| 3 | Fifth Third Bank, National Association | 86 | 62 | 62 | 740 | Bank |
| 4 | Stock Yards Bank & Trust Company | 86 | 74 | 67 | 700 | Bank |
| 5 | SOUTH CENTRAL BANK, INC. | 86 | 63 | 74 | 455 | Bank |
| 6 | Old National Bank | 86 | 84 | 70 | 240 | Bank |
| 7 | Truist Bank | 80 | 70 | 68 | 397 | Bank |
| 8 | The Huntington National Bank | 80 | 61 | 75 | 369 | Bank |
| 9 | PNC Bank, National Association | 80 | 71 | 61 | 361 | Bank |
| 10 | City National Bank of West Virginia | 80 | 61 | 70 | 191 | Bank |
| 11 | Bank of America, National Association | 80 | 73 | 75 | 103 | Bank |
| 12 | Northpointe Bank | 78 | 47 | 62 | 801 | Bank |
| 13 | Guardian Savings Bank | 78 | 55 | 74 | 756 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 756 | Bank |
| 15 | Republic Bank & Trust Company | 78 | 75 | 55 | 534 | Bank |
| 16 | First Financial Bank | 78 | 42 | 72 | 455 | Bank |
| 17 | Traditional Bank, Inc. | 78 | 48 | 61 | 209 | Bank |
| 18 | Peoples Exchange Bank | 78 | 89 | 51 | 165 | Bank |
| 19 | Magnolia Bank, Incorporated | 74 | 37 | 82 | 671 | Bank |
| 20 | German American Bank | 73 | 66 | 52 | 204 | Bank |
| 21 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 168 | Bank |
| 22 | WesBanco Bank, Inc. | 73 | 58 | 70 | 144 | Bank |
| 23 | Peoples Bank | 73 | 69 | 56 | 110 | Bank |
| 24 | Regions Bank | 73 | 41 | 64 | 108 | Bank |
| 25 | Heartland Bank | 73 | 61 | 58 | 98 | Bank |
| 26 | Independence Bank of Kentucky | 71 | 55 | 53 | 294 | Bank |
| 27 | Community Trust Bank, Inc. | 68 | 28 | 65 | 589 | Bank |
| 28 | Whitaker Bank | 68 | 31 | 66 | 205 | Bank |
| 29 | Renasant Bank | 68 | 38 | 81 | 129 | Bank |
| 30 | USAA Federal Savings Bank | 66 | 54 | 45 | 233 | Bank |
| 31 | The Cecilian Bank | 66 | 43 | 54 | 188 | Bank |
| 32 | Bank of England | 63 | 33 | 64 | 328 | Bank |
| 33 | Flagstar Bank, N.A. | 63 | 40 | 76 | 195 | Bank |
| 34 | Plains Commerce Bank | 63 | 37 | 67 | 191 | Bank |
| 35 | Forcht Bank, National Association | 58 | 34 | 42 | 154 | Bank |
| 36 | Ixonia Bank | 50 | 17 | 78 | 146 | Bank |
| 37 | Edmonton State Bank | 49 | 13 | 54 | 222 | Bank |
| 38 | First Southern National Bank | 46 | 9 | 59 | 126 | Bank |
| 39 | The Federal Savings Bank | 46 | 16 | 49 | 101 | 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.