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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $985 | +0.356% | 1,087 | |
2 | Central Bank & Trust Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $408 | -0.091% | 321 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,839 | -0.131% | 103 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $904 | +0.353% | 740 | |
5 | Abound Federal Credit Union | Exceptional | Exceptional | — | Strong | Exceptional | -$227 | -0.162% | 375 | |
6 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $879 | +0.133% | 700 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$1,079 | +0.293% | 397 | |
8 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $939 | -0.138% | 240 | |
9 | WesBanco Bank, Inc. | Exceptional | Strong | Exceptional | Strong | Strong | $1,612 | +0.147% | 144 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,197 | +0.428% | 3,600 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,455 | +0.463% | 3,590 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,997 | +0.255% | 756 | |
13 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,752 | +0.362% | 455 | |
14 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $1,190 | +0.159% | 756 | |
15 | Republic Bank & Trust Company | Strong | Strong | Sound | Acceptable | Exceptional | $963 | +0.190% | 534 | |
16 | Liberty | Strong | Acceptable | Strong | Strong | Exceptional | $1,087 | +0.376% | 1,083 | |
17 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $66 | +0.365% | 369 | |
18 | Community Trust Bank, Inc. | Strong | Acceptable | Sound | Strong | Exceptional | $895 | +0.162% | 589 | |
19 | Farm Credit Mid-America, ACA | Sound | Mediocre | Exceptional | Sound | Strong | $4,932 | +0.592% | 315 | |
20 | Forcht Bank, National Association | Sound | Acceptable | Sound | Sound | Strong | $929 | +0.319% | 154 | |
21 | First Southern National Bank | Sound | Mediocre | — | Sound | Strong | $1,326 | +0.360% | 126 |
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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