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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 USDA Mortgage Company Lenders in Kentucky
Updated February 6, 2026
Market Overview
34
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 | GoPrime Mortgage, Inc. | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,521 | +0.509% | 95 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197 | +0.428% | 3,600 | |
3 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | — | Strong | Exceptional | $897 | +0.033% | 782 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,775 | +0.513% | 746 | |
5 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,939 | +0.361% | 685 | |
6 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,298 | +0.410% | 215 | |
7 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $1,025 | +0.451% | 177 | |
8 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,920 | +0.395% | 206 | |
9 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,509 | +0.596% | 328 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,773 | +0.539% | 274 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,351 | +0.521% | 223 | |
12 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888 | +0.437% | 2,284 | |
13 | GENEVA FINANCIAL, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.269% | 308 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,949 | +0.626% | 1,311 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,791 | +0.246% | 428 | |
16 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,104 | +0.390% | 357 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,778 | +0.360% | 294 | |
18 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,402 | +0.841% | 248 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,278 | +0.670% | 709 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,204 | +0.498% | 612 | |
21 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Sound | Sound | Strong | $2,957 | +0.470% | 246 | |
22 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,590 | +0.749% | 109 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,776 | +0.551% | 604 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,800 | +0.634% | 492 | |
25 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $3,366 | +0.493% | 463 | |
26 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,684 | +0.802% | 266 | |
27 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,525 | +0.619% | 191 | |
28 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,827 | +0.577% | 136 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,233 | +0.618% | 131 | |
30 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,554 | +0.539% | 131 | |
31 | POLARIS HOME FUNDING CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,986 | +0.705% | 110 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,391 | +0.691% | 103 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,743 | +0.664% | 95 | |
34 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $3,872 | +1.730% | 100 |
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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