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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 VA 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	FBC MORTGAGE, LLC	Exceptional	Exceptional	Exceptional	Exceptional	Strong	$2,314	+0.182%	196
2	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$2,197	+0.428%	3,600
3	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,178	+0.393%	709
4	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Exceptional	Strong	Strong	Strong	$2,509	+0.596%	328
5	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Strong	Exceptional	Exceptional	Strong	$3,196	+0.140%	156
6	GoPrime Mortgage, Inc.	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,521	+0.509%	95
7	VICTORY MORTGAGE, L.L.C.	Exceptional	Strong	Strong	Strong	Exceptional	$897	+0.033%	782
8	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$1,775	+0.513%	746
9	GUARANTEED RATE, INC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,791	+0.246%	428
10	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,493	+0.369%	402
11	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,632	+0.013%	352
12	KIND LENDING, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$1,773	+0.539%	274
13	REPUBLIC STATE MORTGAGE CO.	Exceptional	Strong	Strong	Exceptional	Strong	$2,957	+0.470%	246
14	GERSHMAN INVESTMENT CORP.	Exceptional	Strong	Exceptional	Strong	Strong	$1,025	+0.451%	177
15	MOVEMENT MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Strong	$3,233	+0.618%	131
16	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,455	+0.463%	3,590
17	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,164	+0.414%	304
18	FIRST EQUITY MORTGAGE INCORPORATED	Strong	Strong	Strong	Sound	Strong	$838	+0.362%	273
19	Paramount Residential Mortgage Group, Inc.	Strong	Sound	Exceptional	Strong	Strong	$2,351	+0.521%	223
20	NEWREZ LLC	Strong	Sound	Exceptional	Strong	Strong	$2,298	+0.410%	215
21	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,459	+0.366%	176
22	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Exceptional	Strong	Strong	$2,896	+0.265%	139
23	THE MORTGAGE WAREHOUSE,LLC	Strong	Sound	Strong	Exceptional	Strong	$1,580	+0.260%	119
24	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,888	+0.437%	2,284
25	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,949	+0.626%	1,311
26	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,939	+0.361%	685
27	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,204	+0.498%	612
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,800	+0.634%	492
29	ATLANTIC BAY MORTGAGE GROUP, L.L.C.	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,366	+0.493%	463
30	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,778	+0.360%	294
31	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,920	+0.395%	206
32	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,776	+0.551%	604
33	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,104	+0.390%	357
34	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Strong	$3,350	+0.504%	266
35	DAS Acquisition Company, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,827	+0.577%	136
36	GENEVA FINANCIAL, LLC	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,955	+0.269%	308
37	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,402	+0.841%	248
38	CARRINGTON MORTGAGE SERVICES, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$4,580	+0.576%	171
39	NEW AMERICAN FUNDING, LLC	Strong	Mediocre	Exceptional	Sound	Exceptional	$3,278	+0.670%	709
40	EVERETT FINANCIAL, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,684	+0.802%	266
41	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Strong	Sound	Strong	$3,165	+0.584%	213
42	AMERICAN PACIFIC MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,391	+0.691%	103
43	PRIMARY RESIDENTIAL MORTGAGE, INC.	Strong	Mediocre	Exceptional	Strong	Strong	$3,743	+0.664%	95
44	NEW DAY FINANCIAL, LLC	Sound	Mediocre	Exceptional	Sound	Strong	$4,146	+1.338%	133
45	SUCCESS MORTGAGE PARTNERS, INC.	Sound	Mediocre	Strong	Strong	Strong	$4,554	+0.539%	131
46	Luminate Home Loans, Inc.	Sound	Mediocre	Strong	Strong	Strong	$3,356	+0.624%	121
47	POLARIS HOME FUNDING CORP.	Sound	Mediocre	Strong	Strong	Strong	$3,986	+0.705%	110
48	BAYSHORE MORTGAGE FUNDING, LLC	Sound	Mediocre	Strong	Strong	Strong	$3,590	+0.749%	109
49	AMERICAN FINANCIAL RESOURCES, INC.	Sound	Mediocre	Strong	Sound	Strong	$2,525	+0.619%	191
50	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Sound	Strong	$2,614	+1.248%	159

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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