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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 Conventional Mortgage Lenders in Kentucky
Updated February 6, 2026
Market Overview
229
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 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $897 | +0.033% | 782 | |
2 | Abound Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | -$227 | -0.162% | 375 | |
3 | Central Bank & Trust Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $408 | -0.091% | 321 | |
4 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $939 | -0.138% | 240 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $985 | +0.356% | 1,087 | |
6 | Liberty | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,087 | +0.376% | 1,083 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $585 | -0.460% | 358 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,755 | -0.004% | 291 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $904 | +0.353% | 740 | |
10 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $879 | +0.133% | 700 | |
11 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$1,079 | +0.293% | 397 | |
12 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $66 | +0.365% | 369 | |
13 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $206 | +0.232% | 361 | |
14 | COMMONWEALTH | Exceptional | Exceptional | Sound | Sound | Exceptional | $652 | -0.086% | 264 | |
15 | City National Bank of West Virginia | Exceptional | Strong | Exceptional | Strong | Strong | -$73 | -0.094% | 191 | |
16 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,839 | -0.131% | 103 | |
17 | Northpointe Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,158 | +0.331% | 801 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,997 | +0.255% | 756 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,775 | +0.513% | 746 | |
20 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,939 | +0.361% | 685 | |
21 | Republic Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $963 | +0.190% | 534 | |
22 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,752 | +0.362% | 455 | |
23 | German American Bank | Exceptional | Strong | Strong | Strong | Strong | $1,010 | +0.307% | 204 | |
24 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,552 | +0.151% | 168 | |
25 | Park Federal Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $57 | -0.163% | 165 | |
26 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Sound | Strong | $734 | +0.036% | 165 | |
27 | Peoples Bank | Exceptional | Strong | Strong | Strong | Strong | $634 | +0.517% | 110 | |
28 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,197 | +0.428% | 3,600 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,455 | +0.463% | 3,590 | |
30 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $1,190 | +0.159% | 756 | |
31 | SOUTH CENTRAL BANK, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,173 | +0.186% | 455 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,164 | +0.414% | 304 | |
33 | Independence Bank of Kentucky | Strong | Sound | Strong | Strong | Exceptional | $1,441 | +0.191% | 294 | |
34 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $838 | +0.362% | 273 | |
35 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,025 | +0.451% | 177 | |
36 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,196 | +0.140% | 156 | |
37 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,612 | +0.147% | 144 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,896 | +0.265% | 139 | |
39 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888 | +0.437% | 2,284 | |
40 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,178 | +0.393% | 709 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,204 | +0.498% | 612 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366 | +0.493% | 463 | |
43 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,632 | +0.013% | 352 | |
44 | The Cecilian Bank | Strong | Sound | Strong | Strong | Strong | $1,458 | -0.228% | 188 | |
45 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Exceptional | $1,615 | +0.307% | 671 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,776 | +0.551% | 604 | |
47 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,800 | +0.634% | 492 | |
48 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,791 | +0.246% | 428 | |
49 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,493 | +0.369% | 402 | |
50 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,104 | +0.390% | 357 |
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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