# Best FHA Mortgage Lenders in Kentucky

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

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

> **Canonical URL:** https://saferate.com/kentucky/best-mortgage-lenders/fha-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 | Liberty | 89 | 75 | 77 | 1,083 | Credit Union |
| 2 | VICTORY MORTGAGE, L.L.C. | 89 | 85 | 74 | 782 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 89 | 61 | 79 | 746 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 89 | 65 | 62 | 709 | Independent Mortgage Company |
| 5 | FBC MORTGAGE, LLC | 89 | 77 | 82 | 196 | Independent Mortgage Company |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 3,600 | Independent Mortgage Company |
| 7 | SOUTH CENTRAL BANK, INC. | 85 | 79 | 68 | 455 | Bank |
| 8 | Prosperity Home Mortgage, LLC | 85 | 63 | 72 | 402 | Independent Mortgage Company |
| 9 | The Huntington National Bank | 85 | 75 | 65 | 369 | Bank |
| 10 | INTERLINC MORTGAGE SERVICES, LLC | 85 | 64 | 79 | 328 | Independent Mortgage Company |
| 11 | REPUBLIC STATE MORTGAGE CO. | 85 | 69 | 81 | 246 | Independent Mortgage Company |
| 12 | Peoples Exchange Bank | 85 | 95 | 66 | 165 | Bank |
| 13 | U.S. Bank National Association | 83 | 65 | 60 | 1,087 | Bank |
| 14 | Northpointe Bank | 83 | 51 | 63 | 801 | Bank |
| 15 | Guardian Savings Bank | 83 | 87 | 52 | 756 | Bank |
| 16 | Fifth Third Bank, National Association | 83 | 72 | 58 | 740 | Bank |
| 17 | Republic Bank & Trust Company | 83 | 84 | 52 | 534 | Bank |
| 18 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 59 | 83 | 156 | Independent Mortgage Company |
| 19 | WesBanco Bank, Inc. | 80 | 74 | 65 | 144 | Bank |
| 20 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 3,590 | Independent Mortgage Company |
| 21 | UNION HOME MORTGAGE CORP. | 80 | 22 | 80 | 612 | Independent Mortgage Company |
| 22 | Stock Yards Bank & Trust Company | 79 | 73 | 60 | 700 | Bank |
| 23 | Magnolia Bank, Incorporated | 79 | 48 | 74 | 671 | Bank |
| 24 | PENNYMAC LOAN SERVICES, LLC | 79 | 78 | 59 | 352 | Independent Mortgage Company |
| 25 | Bank of England | 79 | 45 | 70 | 328 | Bank |
| 26 | LOANDEPOT.COM, LLC | 79 | 59 | 68 | 304 | Independent Mortgage Company |
| 27 | KIND LENDING, LLC | 79 | 55 | 71 | 274 | Independent Mortgage Company |
| 28 | Old National Bank | 79 | 91 | 60 | 240 | Bank |
| 29 | Flagstar Bank, N.A. | 79 | 58 | 71 | 195 | Bank |
| 30 | Plains Commerce Bank | 79 | 47 | 66 | 191 | Bank |
| 31 | GERSHMAN INVESTMENT CORP. | 79 | 60 | 76 | 177 | Independent Mortgage Company |
| 32 | THE LOAN STORE, INC. | 79 | 49 | 72 | 176 | Independent Mortgage Company |
| 33 | Renasant Bank | 79 | 51 | 79 | 129 | Bank |
| 34 | Central Bank & Trust Company | 77 | 93 | 55 | 321 | Bank |
| 35 | STOCKTON MORTGAGE CORPORATION | 75 | 28 | 67 | 2,284 | Independent Mortgage Company |
| 36 | RUOFF MORTGAGE COMPANY, INC. | 75 | 36 | 66 | 685 | Independent Mortgage Company |
| 37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 20 | 82 | 492 | Independent Mortgage Company |
| 38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 28 | 84 | 463 | Independent Mortgage Company |
| 39 | T2 FINANCIAL LLC | 75 | 29 | 82 | 294 | Independent Mortgage Company |
| 40 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 33 | 84 | 206 | Independent Mortgage Company |
| 41 | Truist Bank | 74 | 75 | 53 | 397 | Bank |
| 42 | PNC Bank, National Association | 74 | 62 | 56 | 361 | Bank |
| 43 | German American Bank | 74 | 79 | 56 | 204 | Bank |
| 44 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 756 | Bank |
| 45 | First Financial Bank | 73 | 58 | 52 | 455 | Bank |
| 46 | NEWREZ LLC | 73 | 52 | 56 | 215 | Independent Mortgage Company |
| 47 | Traditional Bank, Inc. | 73 | 48 | 61 | 209 | Bank |
| 48 | Regions Bank | 73 | 60 | 59 | 108 | Bank |
| 49 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 428 | Independent Mortgage Company |
| 50 | LOWER, LLC | 71 | 29 | 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.