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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 Conventional Mortgage Company Lenders in Kentucky

Updated February 6, 2026

Market Overview

Total Lenders

45,654

Total Loans

0.35%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	VICTORY MORTGAGE, L.L.C.	Exceptional	Exceptional	Strong	Strong	Exceptional	$897	+0.033%	782
2	PROVIDENT FUNDING ASSOCIATES, L.P.	Exceptional	Exceptional	Exceptional	Sound	Strong	$1,755	-0.004%	291
3	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,775	+0.513%	746
4	RUOFF MORTGAGE COMPANY, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,939	+0.361%	685
5	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,197	+0.428%	3,600
6	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,455	+0.463%	3,590
7	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,164	+0.414%	304
8	FIRST EQUITY MORTGAGE INCORPORATED	Strong	Strong	Strong	Sound	Strong	$838	+0.362%	273
9	GERSHMAN INVESTMENT CORP.	Strong	Sound	Exceptional	Strong	Strong	$1,025	+0.451%	177
10	VANDERBILT MORTGAGE AND FINANCE, INC.	Strong	Sound	Exceptional	Strong	Strong	$3,196	+0.140%	156
11	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Strong	$2,896	+0.265%	139
12	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,888	+0.437%	2,284
13	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Exceptional	$2,178	+0.393%	709
14	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,204	+0.498%	612
15	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,366	+0.493%	463
16	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Exceptional	Sound	Strong	$1,632	+0.013%	352
17	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Exceptional	$3,278	+0.670%	709
18	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,776	+0.551%	604
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Strong	$2,800	+0.634%	492
20	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,791	+0.246%	428
21	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,493	+0.369%	402
22	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,104	+0.390%	357
23	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,778	+0.360%	294
24	KIND LENDING, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,773	+0.539%	274
25	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,350	+0.504%	266
26	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,351	+0.521%	223
27	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,920	+0.395%	206
28	THE LOAN STORE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$1,459	+0.366%	176
29	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,827	+0.577%	136
30	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,233	+0.618%	131
31	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$3,743	+0.664%	95
32	Mortgage Research Center, LLC	Strong	Acceptable	Strong	Sound	Exceptional	$1,949	+0.626%	1,311
33	INTERLINC MORTGAGE SERVICES, LLC	Strong	Acceptable	Strong	Strong	Strong	$2,509	+0.596%	328
34	NEWREZ LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,298	+0.410%	215
35	THE MORTGAGE WAREHOUSE,LLC	Strong	Sound	Sound	Sound	Strong	$1,580	+0.260%	119
36	GoPrime Mortgage, Inc.	Strong	Acceptable	Strong	Strong	Strong	$1,521	+0.509%	95
37	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,684	+0.802%	266
38	FBC MORTGAGE, LLC	Strong	Acceptable	Strong	Sound	Strong	$2,314	+0.182%	196
39	AMERICAN FINANCIAL RESOURCES, INC.	Strong	Acceptable	Strong	Sound	Strong	$2,525	+0.619%	191
40	ENVOY MORTGAGE, LTD	Strong	Acceptable	Strong	Sound	Strong	$3,588	+0.684%	137
41	Luminate Home Loans, Inc.	Strong	Mediocre	Exceptional	Strong	Strong	$3,356	+0.624%	121
42	BAYSHORE MORTGAGE FUNDING, LLC	Strong	Acceptable	Strong	Sound	Strong	$3,590	+0.749%	109
43	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,391	+0.691%	103
44	GENEVA FINANCIAL, LLC	Sound	Mediocre	Strong	Strong	Strong	$2,955	+0.269%	308
45	REPUBLIC STATE MORTGAGE CO.	Sound	Acceptable	Sound	Sound	Strong	$2,957	+0.470%	246
46	CARRINGTON MORTGAGE SERVICES, LLC	Sound	Acceptable	Strong	Acceptable	Strong	$4,580	+0.576%	171
47	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Strong	Strong	$2,614	+1.248%	159
48	POLARIS HOME FUNDING CORP.	Sound	Mediocre	Strong	Strong	Strong	$3,986	+0.705%	110
49	Farm Credit Mid-America, ACA	Sound	Mediocre	Strong	Sound	Strong	$4,932	+0.592%	315
50	SUCCESS MORTGAGE PARTNERS, INC.	Sound	Mediocre	Strong	Sound	Strong	$4,554	+0.539%	131

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.

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