# Best Mortgage Companie Lenders in Kentucky

**As of:** 2026-05-30

Compare the top mortgage companies offering mortgages in Kentucky. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kentucky/best-mortgage-lenders/mortgage-companies


> **📋 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 | VICTORY MORTGAGE, L.L.C. | 93 | 90 | 73 | 782 | Independent Mortgage Company |
| 2 | FBC MORTGAGE, LLC | 86 | 60 | 83 | 196 | Independent Mortgage Company |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 3,600 | Independent Mortgage Company |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 84 | 46 | 83 | 746 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 709 | Independent Mortgage Company |
| 6 | RUOFF MORTGAGE COMPANY, INC. | 78 | 43 | 75 | 685 | Independent Mortgage Company |
| 7 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 291 | Independent Mortgage Company |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 156 | Independent Mortgage Company |
| 9 | GoPrime Mortgage, Inc. | 78 | 42 | 86 | 95 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 3,590 | Independent Mortgage Company |
| 11 | UNION HOME MORTGAGE CORP. | 74 | 22 | 83 | 612 | Independent Mortgage Company |
| 12 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 428 | Independent Mortgage Company |
| 13 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 352 | Independent Mortgage Company |
| 14 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 304 | Independent Mortgage Company |
| 15 | FIRST EQUITY MORTGAGE INCORPORATED | 73 | 72 | 42 | 273 | Independent Mortgage Company |
| 16 | REPUBLIC STATE MORTGAGE CO. | 73 | 45 | 71 | 246 | Independent Mortgage Company |
| 17 | GERSHMAN INVESTMENT CORP. | 73 | 55 | 79 | 177 | Independent Mortgage Company |
| 18 | THE MORTGAGE WAREHOUSE,LLC | 73 | 57 | 67 | 119 | Independent Mortgage Company |
| 19 | STOCKTON MORTGAGE CORPORATION | 68 | 27 | 70 | 2,284 | Independent Mortgage Company |
| 20 | Mortgage Research Center, LLC | 68 | 34 | 70 | 1,311 | Independent Mortgage Company |
| 21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 492 | Independent Mortgage Company |
| 22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 68 | 25 | 90 | 463 | Independent Mortgage Company |
| 23 | T2 FINANCIAL LLC | 68 | 26 | 86 | 294 | Independent Mortgage Company |
| 24 | FIRST COMMUNITY MORTGAGE, INC. | 68 | 31 | 89 | 206 | Independent Mortgage Company |
| 25 | DAS Acquisition Company, LLC | 68 | 26 | 80 | 136 | Independent Mortgage Company |
| 26 | MOVEMENT MORTGAGE, LLC | 68 | 32 | 84 | 131 | Independent Mortgage Company |
| 27 | MUTUAL OF OMAHA MORTGAGE, INC. | 66 | 57 | 57 | 139 | Independent Mortgage Company |
| 28 | CROSSCOUNTRY MORTGAGE, LLC | 63 | 20 | 76 | 604 | Independent Mortgage Company |
| 29 | Prosperity Home Mortgage, LLC | 63 | 37 | 77 | 402 | Independent Mortgage Company |
| 30 | LOWER, LLC | 63 | 30 | 71 | 357 | Independent Mortgage Company |
| 31 | INTERLINC MORTGAGE SERVICES, LLC | 63 | 38 | 79 | 328 | Independent Mortgage Company |
| 32 | KIND LENDING, LLC | 63 | 39 | 73 | 274 | Independent Mortgage Company |
| 33 | NATIONSTAR MORTGAGE LLC | 63 | 26 | 71 | 266 | Independent Mortgage Company |
| 34 | Equity Prime Mortgage LLC | 63 | 20 | 66 | 248 | Independent Mortgage Company |
| 35 | Paramount Residential Mortgage Group, Inc. | 63 | 27 | 72 | 223 | Independent Mortgage Company |
| 36 | THE LOAN STORE, INC. | 63 | 40 | 77 | 176 | Independent Mortgage Company |
| 37 | BAYSHORE MORTGAGE FUNDING, LLC | 63 | 20 | 62 | 109 | Independent Mortgage Company |
| 38 | NEW AMERICAN FUNDING, LLC | 62 | 22 | 60 | 709 | Independent Mortgage Company |
| 39 | NEWREZ LLC | 58 | 35 | 59 | 215 | Independent Mortgage Company |
| 40 | AMERICAN FINANCIAL RESOURCES, INC. | 58 | 23 | 60 | 191 | Independent Mortgage Company |
| 41 | CARRINGTON MORTGAGE SERVICES, LLC | 58 | 24 | 41 | 171 | Independent Mortgage Company |
| 42 | ENVOY MORTGAGE, LTD | 58 | 23 | 55 | 137 | Independent Mortgage Company |
| 43 | GENEVA FINANCIAL, LLC | 54 | 14 | 82 | 308 | Independent Mortgage Company |
| 44 | EVERETT FINANCIAL, INC. | 54 | 13 | 80 | 266 | Independent Mortgage Company |
| 45 | AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | 14 | 84 | 103 | Independent Mortgage Company |
| 46 | ROYAL UNITED MORTGAGE LLC | 50 | 5 | 63 | 159 | Independent Mortgage Company |
| 47 | SUCCESS MORTGAGE PARTNERS, INC. | 50 | 15 | 67 | 131 | Independent Mortgage Company |
| 48 | Luminate Home Loans, Inc. | 50 | 13 | 66 | 121 | Independent Mortgage Company |
| 49 | POLARIS HOME FUNDING CORP. | 50 | 15 | 74 | 110 | Independent Mortgage Company |
| 50 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 50 | 17 | 75 | 95 | 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.