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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 FHA Mortgage Company Lenders in Kentucky
Updated February 6, 2026
Market Overview
50
Total Lenders
45,654
Total Loans
0.35%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $897 | +0.033% | 782 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,775 | +0.513% | 746 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,178 | +0.393% | 709 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,314 | +0.182% | 196 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,197 | +0.428% | 3,600 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,493 | +0.369% | 402 | |
7 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,509 | +0.596% | 328 | |
8 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $2,957 | +0.470% | 246 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,632 | +0.013% | 352 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,196 | +0.140% | 156 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,455 | +0.463% | 3,590 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,204 | +0.498% | 612 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,164 | +0.414% | 304 | |
14 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,773 | +0.539% | 274 | |
15 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Exceptional | Sound | Acceptable | Strong | $838 | +0.362% | 273 | |
16 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $1,025 | +0.451% | 177 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,459 | +0.366% | 176 | |
18 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888 | +0.437% | 2,284 | |
19 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,939 | +0.361% | 685 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,800 | +0.634% | 492 | |
21 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366 | +0.493% | 463 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,778 | +0.360% | 294 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,298 | +0.410% | 215 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,920 | +0.395% | 206 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,949 | +0.626% | 1,311 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,791 | +0.246% | 428 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,104 | +0.390% | 357 | |
28 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,402 | +0.841% | 248 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,351 | +0.521% | 223 | |
30 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,525 | +0.619% | 191 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,233 | +0.618% | 131 | |
32 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Sound | Strong | Strong | $1,580 | +0.260% | 119 | |
33 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,955 | +0.269% | 308 | |
34 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,684 | +0.802% | 266 | |
35 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $3,165 | +0.584% | 213 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,580 | +0.576% | 171 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,896 | +0.265% | 139 | |
38 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $3,588 | +0.684% | 137 | |
39 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,827 | +0.577% | 136 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,391 | +0.691% | 103 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,278 | +0.670% | 709 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,776 | +0.551% | 604 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,350 | +0.504% | 266 | |
44 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,554 | +0.539% | 131 | |
45 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,356 | +0.624% | 121 | |
46 | POLARIS HOME FUNDING CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,986 | +0.705% | 110 | |
47 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,872 | +1.730% | 100 | |
48 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Sound | Strong | $1,521 | +0.509% | 95 | |
49 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,743 | +0.664% | 95 | |
50 | BAYSHORE MORTGAGE FUNDING, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,590 | +0.749% | 109 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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