🛡️
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 USDA Mortgage Bank Lenders in Kentucky
Updated February 6, 2026
Market Overview
13
Total Lenders
45,654
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Sound | Exceptional | $904 | +0.353% | 740 | |
2 | Truist Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | -$1,079 | +0.293% | 397 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $985 | +0.356% | 1,087 | |
4 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,173 | +0.186% | 455 | |
5 | Magnolia Bank, Incorporated | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,615 | +0.307% | 671 | |
6 | Peoples Exchange Bank | Exceptional | Exceptional | — | Sound | Strong | $734 | +0.036% | 165 | |
7 | German American Bank | Strong | Strong | Strong | Sound | Strong | $1,010 | +0.307% | 204 | |
8 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $2,138 | +0.146% | 129 | |
9 | Guardian Savings Bank | Strong | Sound | — | Strong | Exceptional | $1,190 | +0.159% | 756 | |
10 | Bank of England | Strong | Acceptable | Exceptional | Sound | Strong | $3,142 | +0.499% | 328 | |
11 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,848 | +0.707% | 146 | |
12 | Edmonton State Bank | Sound | Mediocre | Strong | Sound | Exceptional | $1,983 | +0.718% | 222 | |
13 | Forcht Bank, National Association | Sound | Acceptable | — | 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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
KentuckyUSDA
No credit impact
3-minute process
100% free