# Best USDA Mortgage Lenders in Kentucky

**As of:** 2026-05-21

Compare the top USDA mortgage lenders in Kentucky. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | Liberty | 95 | 90 | 62 | 1,083 | Credit Union |
| 2 | UNITED WHOLESALE MORTGAGE, LLC | 89 | 62 | 75 | 3,600 | Independent Mortgage Company |
| 3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 89 | 69 | 72 | 746 | Independent Mortgage Company |
| 4 | RUOFF MORTGAGE COMPANY, INC. | 89 | 66 | 78 | 685 | Independent Mortgage Company |
| 5 | GoPrime Mortgage, Inc. | 89 | 81 | 76 | 95 | Independent Mortgage Company |
| 6 | SOUTH CENTRAL BANK, INC. | 85 | 63 | 63 | 455 | Bank |
| 7 | NEWREZ LLC | 85 | 65 | 69 | 215 | Independent Mortgage Company |
| 8 | GERSHMAN INVESTMENT CORP. | 85 | 68 | 70 | 177 | Independent Mortgage Company |
| 9 | U.S. Bank National Association | 83 | 61 | 53 | 1,087 | Bank |
| 10 | VICTORY MORTGAGE, L.L.C. | 83 | 90 | 73 | 782 | Independent Mortgage Company |
| 11 | Fifth Third Bank, National Association | 83 | 82 | 52 | 740 | Bank |
| 12 | Magnolia Bank, Incorporated | 83 | 53 | 71 | 671 | Bank |
| 13 | Truist Bank | 83 | 88 | 53 | 397 | Bank |
| 14 | FIRST COMMUNITY MORTGAGE, INC. | 83 | 55 | 80 | 206 | Independent Mortgage Company |
| 15 | INTERLINC MORTGAGE SERVICES, LLC | 79 | 50 | 75 | 328 | Independent Mortgage Company |
| 16 | KIND LENDING, LLC | 79 | 60 | 64 | 274 | Independent Mortgage Company |
| 17 | Paramount Residential Mortgage Group, Inc. | 79 | 42 | 63 | 223 | Independent Mortgage Company |
| 18 | Renasant Bank | 79 | 49 | 67 | 129 | Bank |
| 19 | STOCKTON MORTGAGE CORPORATION | 75 | 23 | 70 | 2,284 | Independent Mortgage Company |
| 20 | GENEVA FINANCIAL, LLC | 75 | 21 | 86 | 308 | Independent Mortgage Company |
| 21 | German American Bank | 74 | 66 | 50 | 204 | Bank |
| 22 | Guardian Savings Bank | 73 | 55 | 74 | 756 | Bank |
| 23 | Peoples Exchange Bank | 73 | 89 | 51 | 165 | Bank |
| 24 | GUARANTEED RATE, INC. | 71 | 34 | 67 | 428 | Independent Mortgage Company |
| 25 | LOWER, LLC | 71 | 36 | 69 | 357 | Independent Mortgage Company |
| 26 | T2 FINANCIAL LLC | 71 | 33 | 74 | 294 | Independent Mortgage Company |
| 27 | Equity Prime Mortgage LLC | 71 | 37 | 72 | 248 | Independent Mortgage Company |
| 28 | Mortgage Research Center, LLC | 70 | 34 | 47 | 1,311 | Independent Mortgage Company |
| 29 | Bank of England | 66 | 38 | 56 | 328 | Bank |
| 30 | BAYSHORE MORTGAGE FUNDING, LLC | 66 | 20 | 60 | 109 | Independent Mortgage Company |
| 31 | REPUBLIC STATE MORTGAGE CO. | 64 | 45 | 47 | 246 | Independent Mortgage Company |
| 32 | NEW AMERICAN FUNDING, LLC | 63 | 5 | 62 | 709 | Independent Mortgage Company |
| 33 | UNION HOME MORTGAGE CORP. | 63 | 15 | 68 | 612 | Independent Mortgage Company |
| 34 | CROSSCOUNTRY MORTGAGE, LLC | 60 | 7 | 70 | 604 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 60 | 17 | 73 | 492 | Independent Mortgage Company |
| 36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 60 | 17 | 79 | 463 | Independent Mortgage Company |
| 37 | EVERETT FINANCIAL, INC. | 60 | 10 | 63 | 266 | Independent Mortgage Company |
| 38 | AMERICAN FINANCIAL RESOURCES, INC. | 60 | 19 | 63 | 191 | Independent Mortgage Company |
| 39 | Ixonia Bank | 60 | 2 | 74 | 146 | Bank |
| 40 | DAS Acquisition Company, LLC | 60 | 10 | 73 | 136 | Independent Mortgage Company |
| 41 | MOVEMENT MORTGAGE, LLC | 60 | 8 | 70 | 131 | Independent Mortgage Company |
| 42 | SUCCESS MORTGAGE PARTNERS, INC. | 60 | N/A | 75 | 131 | Independent Mortgage Company |
| 43 | POLARIS HOME FUNDING CORP. | 60 | 11 | 74 | 110 | Independent Mortgage Company |
| 44 | AMERICAN PACIFIC MORTGAGE CORPORATION | 60 | 8 | 77 | 103 | Independent Mortgage Company |
| 45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | 60 | 2 | 65 | 95 | Independent Mortgage Company |
| 46 | Forcht Bank, National Association | 58 | 34 | 42 | 154 | Bank |
| 47 | Edmonton State Bank | 56 | 13 | 47 | 222 | Bank |
| 48 | Click n' Close, Inc. | 56 | 1 | 59 | 100 | 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.