# Best Conventional Mortgage Lenders in Kentucky

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Kentucky. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kentucky/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 229
- **Total Loans:** 45,654
- **Median Rate Spread:** 0.35091150442477875%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 89 | 75 | 69 | 1,087 | Bank |
| 2 | Liberty | 89 | 60 | 80 | 1,083 | Credit Union |
| 3 | VICTORY MORTGAGE, L.L.C. | 89 | 92 | 67 | 782 | Independent Mortgage Company |
| 4 | Abound Federal Credit Union | 89 | 91 | 63 | 375 | Credit Union |
| 5 | Central Bank & Trust Company | 89 | 94 | 71 | 321 | Bank |
| 6 | Old National Bank | 89 | 84 | 69 | 240 | Bank |
| 7 | Stock Yards Bank & Trust Company | 85 | 74 | 63 | 700 | Bank |
| 8 | Truist Bank | 85 | 71 | 69 | 397 | Bank |
| 9 | The Huntington National Bank | 85 | 63 | 75 | 369 | Bank |
| 10 | PNC Bank, National Association | 85 | 75 | 63 | 361 | Bank |
| 11 | City National Bank of West Virginia | 85 | 61 | 70 | 191 | Bank |
| 12 | Bank of America, National Association | 85 | 71 | 67 | 103 | Bank |
| 13 | Northpointe Bank | 83 | 49 | 62 | 801 | Bank |
| 14 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 756 | Bank |
| 15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 40 | 74 | 746 | Independent Mortgage Company |
| 16 | Fifth Third Bank, National Association | 83 | 61 | 60 | 740 | Bank |
| 17 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 685 | Independent Mortgage Company |
| 18 | First Financial Bank | 83 | 43 | 71 | 455 | Bank |
| 19 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 358 | Credit Union |
| 20 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 291 | Independent Mortgage Company |
| 21 | German American Bank | 80 | 65 | 62 | 204 | Bank |
| 22 | Peoples Bank | 80 | 67 | 73 | 110 | Bank |
| 23 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 3,600 | Independent Mortgage Company |
| 24 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 3,590 | Independent Mortgage Company |
| 25 | Guardian Savings Bank | 79 | 51 | 73 | 756 | Bank |
| 26 | Republic Bank & Trust Company | 79 | 74 | 51 | 534 | Bank |
| 27 | SOUTH CENTRAL BANK, INC. | 79 | 56 | 73 | 455 | Bank |
| 28 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 304 | Independent Mortgage Company |
| 29 | Independence Bank of Kentucky | 79 | 55 | 66 | 294 | Bank |
| 30 | GERSHMAN INVESTMENT CORP. | 79 | 53 | 74 | 177 | Independent Mortgage Company |
| 31 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 168 | Bank |
| 32 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 156 | Independent Mortgage Company |
| 33 | WesBanco Bank, Inc. | 79 | 52 | 70 | 144 | Bank |
| 34 | COMMONWEALTH | 77 | 92 | 41 | 264 | Credit Union |
| 35 | STOCKTON MORTGAGE CORPORATION | 75 | 29 | 65 | 2,284 | Independent Mortgage Company |
| 36 | UNION HOME MORTGAGE CORP. | 75 | 23 | 77 | 612 | Independent Mortgage Company |
| 37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 25 | 80 | 463 | Independent Mortgage Company |
| 38 | FIRST EQUITY MORTGAGE INCORPORATED | 74 | 73 | 41 | 273 | Independent Mortgage Company |
| 39 | The Cecilian Bank | 74 | 43 | 70 | 188 | Bank |
| 40 | MUTUAL OF OMAHA MORTGAGE, INC. | 74 | 65 | 55 | 139 | Independent Mortgage Company |
| 41 | FREEDOM MORTGAGE CORPORATION | 73 | 41 | 47 | 709 | Independent Mortgage Company |
| 42 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 352 | Independent Mortgage Company |
| 43 | Peoples Exchange Bank | 73 | 84 | 48 | 165 | Bank |
| 44 | Park Federal Credit Union | 73 | 93 | 43 | 165 | Credit Union |
| 45 | Magnolia Bank, Incorporated | 71 | 37 | 70 | 671 | Bank |
| 46 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 604 | Independent Mortgage Company |
| 47 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 492 | Independent Mortgage Company |
| 48 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 428 | Independent Mortgage Company |
| 49 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 402 | Independent Mortgage Company |
| 50 | LOWER, LLC | 71 | 33 | 66 | 357 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Kentucky.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.