# Best Jumbo Mortgage Lenders in Kentucky

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

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

> **Canonical URL:** https://saferate.com/kentucky/best-mortgage-lenders/jumbo-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 | 95 | 88 | 76 | 1,087 | Bank |
| 2 | Fifth Third Bank, National Association | 89 | 74 | 70 | 740 | Bank |
| 3 | Central Bank & Trust Company | 89 | 93 | 75 | 321 | Bank |
| 4 | Bank of America, National Association | 89 | 90 | 80 | 103 | Bank |
| 5 | Stock Yards Bank & Trust Company | 85 | 74 | 70 | 700 | Bank |
| 6 | Truist Bank | 85 | 76 | 71 | 397 | Bank |
| 7 | Old National Bank | 85 | 61 | 74 | 240 | Bank |
| 8 | WesBanco Bank, Inc. | 85 | 67 | 62 | 144 | Bank |
| 9 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 55 | 74 | 3,600 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 83 | 50 | 67 | 3,590 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 83 | 49 | 64 | 756 | Bank |
| 12 | First Financial Bank | 83 | 41 | 76 | 455 | Bank |
| 13 | Abound Federal Credit Union | 83 | 91 | 62 | 375 | Credit Union |
| 14 | Guardian Savings Bank | 79 | 55 | 74 | 756 | Bank |
| 15 | Liberty | 71 | 29 | 67 | 1,083 | Credit Union |
| 16 | The Huntington National Bank | 71 | 30 | 76 | 369 | Bank |
| 17 | Community Trust Bank, Inc. | 66 | 28 | 65 | 589 | Bank |
| 18 | Republic Bank & Trust Company | 66 | 75 | 29 | 534 | Bank |
| 19 | Forcht Bank, National Association | 58 | 34 | 42 | 154 | Bank |
| 20 | Farm Credit Mid-America, ACA | 56 | 2 | 60 | 315 | Independent Mortgage Company |
| 21 | First Southern National Bank | 49 | 9 | 59 | 126 | Bank |

## 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.