Safe Rate Rankings

Best Conventional Mortgage Bank Lenders in Kentucky

Updated May 30, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders229

Total Loans45,654

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Central Bank & Trust CompanyBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$408Fees	0.091%Below	321
2	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$939Fees	0.138%Below	240
3	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$985Fees	0.356%Above	1,087
4	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Exceptional	$904Fees	0.353%Above	740
5	Stock Yards Bank & Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$879Fees	0.133%Above	700
6	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,079Credit	0.293%Above	397
7	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$66Fees	0.365%Above	369
8	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$206Fees	0.232%Above	361
9	City National Bank of West VirginiaBank	Exceptional	Strong	Exceptional	Strong	Strong	$73Credit	0.094%Below	191
10	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,839Fees	0.131%Below	103
11	Northpointe BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,158Fees	0.331%Above	801
12	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,997Fees	0.255%Above	756
13	Republic Bank & Trust CompanyBank	Exceptional	Strong	Strong	Sound	Exceptional	$963Fees	0.190%Above	534
14	First Financial BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,752Fees	0.362%Above	455
15	German American BankBank	Exceptional	Strong	Strong	Strong	Strong	$1,010Fees	0.307%Above	204
16	Wells Fargo Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$2,552Fees	0.151%Above	168
17	Peoples Exchange BankBank	Exceptional	Exceptional	Sound	Sound	Strong	$734Fees	0.036%Above	165
18	Peoples BankBank	Exceptional	Strong	Strong	Strong	Strong	$634Fees	0.517%Above	110
19	Guardian Savings BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,190Fees	0.159%Above	756
20	SOUTH CENTRAL BANK, INC.Bank	Strong	Sound	Strong	Strong	Exceptional	$1,173Fees	0.186%Above	455
21	Independence Bank of KentuckyBank	Strong	Sound	Strong	Strong	Exceptional	$1,441Fees	0.191%Above	294
22	WesBanco Bank, Inc.Bank	Strong	Sound	Exceptional	Strong	Strong	$1,612Fees	0.147%Above	144
23	The Cecilian BankBank	Strong	Sound	Strong	Strong	Strong	$1,458Fees	0.228%Below	188
24	Heartland BankBank	Strong	Strong	Sound	Sound	Strong	$962Fees	0.237%Above	98
25	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Exceptional	$1,615Fees	0.307%Above	671
26	Traditional Bank, Inc.Bank	Strong	Sound	Sound	Sound	Exceptional	$1,012Fees	0.164%Above	209
27	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$1,930Fees	0.391%Above	195
28	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,225Fees	0.461%Above	191
29	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$2,138Fees	0.146%Above	129
30	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$1,087Fees	0.511%Above	108
31	Community Trust Bank, Inc.Bank	Strong	Acceptable	Strong	Sound	Exceptional	$895Fees	0.162%Above	589
32	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Strong	$1,699Fees	0.172%Below	233
33	Bank of EnglandBank	Strong	Acceptable	Strong	Sound	Strong	$3,142Fees	0.499%Above	328
34	Edmonton State BankBank	Strong	Mediocre	Strong	Strong	Exceptional	$1,983Fees	0.718%Above	222
35	Whitaker BankBank	Strong	Acceptable	Sound	Sound	Exceptional	$957Fees	0.230%Below	205
36	Ixonia BankBank	Strong	Mediocre	Exceptional	Strong	Strong	$2,848Fees	0.707%Above	146
37	The Federal Savings BankBank	Sound	Mediocre	Strong	Sound	Strong	$3,070Fees	0.539%Above	101
38	Forcht Bank, National AssociationBank	Sound	Acceptable	Acceptable	Acceptable	Strong	$929Fees	0.319%Above	154
39	First Southern National BankBank	Sound	Mediocre	Acceptable	Sound	Strong	$1,326Fees	0.360%Above	126

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.