Safe Rate Rankings

Best Jumbo Mortgage Lenders in Kentucky

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders229

Total Loans45,654

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Exceptional	$985Fees	0.356%Above	1,087
2	Central Bank & Trust CompanyBank	Exceptional	Exceptional	Strong	Strong	Exceptional	$408Fees	0.091%Below	321
3	Bank of America, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,839Fees	0.131%Below	103
4	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$904Fees	0.353%Above	740
5	Abound Federal Credit UnionCredit Union	Exceptional	Exceptional	—	Strong	Exceptional	$227Credit	0.162%Below	375
6	Stock Yards Bank & Trust CompanyBank	Exceptional	Strong	Strong	Strong	Exceptional	$879Fees	0.133%Above	700
7	Truist BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,079Credit	0.293%Above	397
8	Old National BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$939Fees	0.138%Below	240
9	WesBanco Bank, Inc.Bank	Exceptional	Strong	Exceptional	Strong	Strong	$1,612Fees	0.147%Above	144
10	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,197Fees	0.428%Above	3,600
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,455Fees	0.463%Above	3,590
12	JPMorgan Chase Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,997Fees	0.255%Above	756
13	First Financial BankBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,752Fees	0.362%Above	455
14	Guardian Savings BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,190Fees	0.159%Above	756
15	Republic Bank & Trust CompanyBank	Strong	Strong	Sound	Acceptable	Exceptional	$963Fees	0.190%Above	534
16	LibertyCredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$1,087Fees	0.376%Above	1,083
17	The Huntington National BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$66Fees	0.365%Above	369
18	Community Trust Bank, Inc.Bank	Strong	Acceptable	Sound	Strong	Exceptional	$895Fees	0.162%Above	589
19	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Strong	$4,932Fees	0.592%Above	315
20	Forcht Bank, National AssociationBank	Sound	Acceptable	Sound	Sound	Strong	$929Fees	0.319%Above	154
21	First Southern National BankBank	Sound	Mediocre	—	Sound	Strong	$1,326Fees	0.360%Above	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)

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.