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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 FHA Mortgage Bank Lenders in Kentucky

Updated February 6, 2026

Market Overview

Total Lenders

45,654

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	Guardian Savings Bank	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,190	+0.159%	756
2	Republic Bank & Trust Company	Exceptional	Exceptional	Strong	Sound	Exceptional	$963	+0.190%	534
3	Peoples Exchange Bank	Exceptional	Exceptional	Strong	Strong	Strong	$734	+0.036%	165
4	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$985	+0.356%	1,087
5	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$904	+0.353%	740
6	SOUTH CENTRAL BANK, INC.	Exceptional	Strong	Strong	Strong	Exceptional	$1,173	+0.186%	455
7	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$66	+0.365%	369
8	Central Bank & Trust Company	Exceptional	Exceptional	Sound	Sound	Exceptional	$408	-0.091%	321
9	Old National Bank	Exceptional	Exceptional	Strong	Sound	Strong	$939	-0.138%	240
10	Northpointe Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,158	+0.331%	801
11	Stock Yards Bank & Trust Company	Exceptional	Strong	Strong	Sound	Exceptional	$879	+0.133%	700
12	WesBanco Bank, Inc.	Exceptional	Strong	Strong	Strong	Strong	$1,612	+0.147%	144
13	Magnolia Bank, Incorporated	Strong	Sound	Strong	Strong	Exceptional	$1,615	+0.307%	671
14	Truist Bank	Strong	Strong	Strong	Sound	Strong	-$1,079	+0.293%	397
15	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	$206	+0.232%	361
16	Bank of England	Strong	Sound	Exceptional	Strong	Strong	$3,142	+0.499%	328
17	German American Bank	Strong	Strong	Strong	Sound	Strong	$1,010	+0.307%	204
18	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$1,930	+0.391%	195
19	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,225	+0.461%	191
20	Renasant Bank	Strong	Sound	Exceptional	Strong	Strong	$2,138	+0.146%	129
21	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,997	+0.255%	756
22	First Financial Bank	Strong	Sound	Strong	Sound	Exceptional	$1,752	+0.362%	455
23	Traditional Bank, Inc.	Strong	Sound	Sound	Strong	Exceptional	$1,012	+0.164%	209
24	Peoples Bank	Strong	Strong	Sound	Sound	Strong	$634	+0.517%	110
25	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,087	+0.511%	108
26	Heartland Bank	Strong	Strong	Sound	Sound	Strong	$962	+0.237%	98
27	Wells Fargo Bank, National Association	Strong	Sound	Strong	Sound	Strong	$2,552	+0.151%	168
28	The Federal Savings Bank	Strong	Acceptable	Exceptional	Sound	Strong	$3,070	+0.539%	101
29	Ixonia Bank	Strong	Mediocre	Exceptional	Strong	Strong	$2,848	+0.707%	146
30	Bank of America, National Association	Strong	Acceptable	Strong	Sound	Strong	$1,839	-0.131%	103
31	Forcht Bank, National Association	Sound	Acceptable	Sound	Sound	Strong	$929	+0.319%	154

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.

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