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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 Mortgage Company Lenders in Kentucky
Updated February 6, 2026
Market Overview
50
Total Lenders
28,149
Total Loans
0.46%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $897 | +0.033% | 782 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,755 | -0.004% | 291 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,314 | +0.182% | 196 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,197 | +0.428% | 3,600 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,775 | +0.513% | 746 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,178 | +0.393% | 709 | |
7 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,939 | +0.361% | 685 | |
8 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $838 | +0.362% | 273 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $3,196 | +0.140% | 156 | |
10 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $1,521 | +0.509% | 95 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,455 | +0.463% | 3,590 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,204 | +0.498% | 612 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,791 | +0.246% | 428 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,632 | +0.013% | 352 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,164 | +0.414% | 304 | |
16 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Strong | $2,957 | +0.470% | 246 | |
17 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $1,025 | +0.451% | 177 | |
18 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Strong | $1,580 | +0.260% | 119 | |
19 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,888 | +0.437% | 2,284 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,949 | +0.626% | 1,311 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,800 | +0.634% | 492 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,366 | +0.493% | 463 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,778 | +0.360% | 294 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,920 | +0.395% | 206 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,896 | +0.265% | 139 | |
26 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $2,827 | +0.577% | 136 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,233 | +0.618% | 131 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,278 | +0.670% | 709 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,776 | +0.551% | 604 | |
30 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,493 | +0.369% | 402 | |
31 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,104 | +0.390% | 357 | |
32 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $2,509 | +0.596% | 328 | |
33 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $1,773 | +0.539% | 274 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,350 | +0.504% | 266 | |
35 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,402 | +0.841% | 248 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,351 | +0.521% | 223 | |
37 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,459 | +0.366% | 176 | |
38 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Strong | Strong | $3,590 | +0.749% | 109 | |
39 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $2,955 | +0.269% | 308 | |
40 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,684 | +0.802% | 266 | |
41 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,298 | +0.410% | 215 | |
42 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Sound | Strong | $2,525 | +0.619% | 191 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,580 | +0.576% | 171 | |
44 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $3,588 | +0.684% | 137 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,391 | +0.691% | 103 | |
46 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,614 | +1.248% | 159 | |
47 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $4,554 | +0.539% | 131 | |
48 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $3,356 | +0.624% | 121 | |
49 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Strong | $3,986 | +0.705% | 110 | |
50 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,743 | +0.664% | 95 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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