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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 VA Mortgage Bank Lenders in Kentucky
Updated February 6, 2026
Market Overview
25
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 | Strong | Exceptional | $904 | +0.353% | 740 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $985 | +0.356% | 1,087 | |
3 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Strong | $939 | -0.138% | 240 | |
4 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,997 | +0.255% | 756 | |
5 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,173 | +0.186% | 455 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $66 | +0.365% | 369 | |
7 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $879 | +0.133% | 700 | |
8 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,699 | -0.172% | 233 | |
9 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Sound | Strong | $734 | +0.036% | 165 | |
10 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,138 | +0.146% | 129 | |
11 | Northpointe Bank | Strong | Sound | Strong | Strong | Exceptional | $3,158 | +0.331% | 801 | |
12 | Republic Bank & Trust Company | Strong | Strong | Sound | Sound | Exceptional | $963 | +0.190% | 534 | |
13 | Truist Bank | Strong | Strong | Strong | Sound | Strong | -$1,079 | +0.293% | 397 | |
14 | German American Bank | Strong | Strong | Strong | Sound | Strong | $1,010 | +0.307% | 204 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,930 | +0.391% | 195 | |
16 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,225 | +0.461% | 191 | |
17 | WesBanco Bank, Inc. | Strong | Strong | Strong | Sound | Strong | $1,612 | +0.147% | 144 | |
18 | Guardian Savings Bank | Strong | Sound | Sound | Strong | Exceptional | $1,190 | +0.159% | 756 | |
19 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,615 | +0.307% | 671 | |
20 | Bank of England | Strong | Sound | Strong | Strong | Strong | $3,142 | +0.499% | 328 | |
21 | Traditional Bank, Inc. | Strong | Sound | — | Strong | Exceptional | $1,012 | +0.164% | 209 | |
22 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,552 | +0.151% | 168 | |
23 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Strong | $206 | +0.232% | 361 | |
24 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,848 | +0.707% | 146 | |
25 | The Federal Savings Bank | Sound | Mediocre | Exceptional | 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 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.
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