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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 FHA 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
1	VICTORY MORTGAGE, L.L.C.	Exceptional	Exceptional	Strong	Strong	Exceptional	$897	+0.033%	782
2	Liberty	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,087	+0.376%	1,083
3	Guardian Savings Bank	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,190	+0.159%	756
4	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Exceptional	$1,775	+0.513%	746
5	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,178	+0.393%	709
6	Republic Bank & Trust Company	Exceptional	Exceptional	Strong	Sound	Exceptional	$963	+0.190%	534
7	FBC MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Strong	$2,314	+0.182%	196
8	Peoples Exchange Bank	Exceptional	Exceptional	Strong	Strong	Strong	$734	+0.036%	165
9	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,197	+0.428%	3,600
10	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$985	+0.356%	1,087
11	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$904	+0.353%	740
12	SOUTH CENTRAL BANK, INC.	Exceptional	Strong	Strong	Strong	Exceptional	$1,173	+0.186%	455
13	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,493	+0.369%	402
14	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Strong	$66	+0.365%	369
15	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,509	+0.596%	328
16	Central Bank & Trust Company	Exceptional	Exceptional	Sound	Sound	Exceptional	$408	-0.091%	321
17	REPUBLIC STATE MORTGAGE CO.	Exceptional	Strong	Strong	Exceptional	Strong	$2,957	+0.470%	246
18	Old National Bank	Exceptional	Exceptional	Strong	Sound	Strong	$939	-0.138%	240
19	Northpointe Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,158	+0.331%	801
20	Stock Yards Bank & Trust Company	Exceptional	Strong	Strong	Sound	Exceptional	$879	+0.133%	700
21	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,632	+0.013%	352
22	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,196	+0.140%	156
23	WesBanco Bank, Inc.	Exceptional	Strong	Strong	Strong	Strong	$1,612	+0.147%	144
24	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,455	+0.463%	3,590
25	Magnolia Bank, Incorporated	Strong	Sound	Strong	Strong	Exceptional	$1,615	+0.307%	671
26	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,204	+0.498%	612
27	Truist Bank	Strong	Strong	Strong	Sound	Strong	-$1,079	+0.293%	397
28	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	$206	+0.232%	361
29	Bank of England	Strong	Sound	Exceptional	Strong	Strong	$3,142	+0.499%	328
30	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,164	+0.414%	304
31	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,773	+0.539%	274
32	German American Bank	Strong	Strong	Strong	Sound	Strong	$1,010	+0.307%	204
33	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$1,930	+0.391%	195
34	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,225	+0.461%	191
35	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$1,025	+0.451%	177
36	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,459	+0.366%	176
37	Renasant Bank	Strong	Sound	Exceptional	Strong	Strong	$2,138	+0.146%	129
38	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,888	+0.437%	2,284
39	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,997	+0.255%	756
40	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,939	+0.361%	685
41	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,800	+0.634%	492
42	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,366	+0.493%	463
43	First Financial Bank	Strong	Sound	Strong	Sound	Exceptional	$1,752	+0.362%	455
44	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,778	+0.360%	294
45	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,298	+0.410%	215
46	Traditional Bank, Inc.	Strong	Sound	Sound	Strong	Exceptional	$1,012	+0.164%	209
47	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,920	+0.395%	206
48	Regions Bank	Strong	Sound	Exceptional	Sound	Strong	$1,087	+0.511%	108
49	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,791	+0.246%	428
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)

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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