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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 Lenders in Kentucky
Updated February 6, 2026
Market Overview
229
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 | 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 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $904 | +0.353% | 740 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $985 | +0.356% | 1,087 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,178 | +0.393% | 709 | |
6 | Abound Federal Credit Union | Exceptional | Exceptional | — | Strong | Exceptional | -$227 | -0.162% | 375 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $585 | -0.460% | 358 | |
8 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $2,509 | +0.596% | 328 | |
9 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Strong | $939 | -0.138% | 240 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,196 | +0.140% | 156 | |
11 | GoPrime Mortgage, Inc. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,521 | +0.509% | 95 | |
12 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $897 | +0.033% | 782 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,997 | +0.255% | 756 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,775 | +0.513% | 746 | |
15 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,173 | +0.186% | 455 | |
16 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,791 | +0.246% | 428 | |
17 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,493 | +0.369% | 402 | |
18 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $66 | +0.365% | 369 | |
19 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,632 | +0.013% | 352 | |
20 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,773 | +0.539% | 274 | |
21 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $2,957 | +0.470% | 246 | |
22 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $1,025 | +0.451% | 177 | |
23 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $879 | +0.133% | 700 | |
24 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,699 | -0.172% | 233 | |
25 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,233 | +0.618% | 131 | |
26 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,138 | +0.146% | 129 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,455 | +0.463% | 3,590 | |
28 | Northpointe Bank | Strong | Sound | Strong | Strong | Exceptional | $3,158 | +0.331% | 801 | |
29 | Truist Bank | Strong | Strong | Strong | Sound | Strong | -$1,079 | +0.293% | 397 | |
30 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,164 | +0.414% | 304 | |
31 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $838 | +0.362% | 273 | |
32 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,351 | +0.521% | 223 | |
33 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,298 | +0.410% | 215 | |
34 | German American Bank | Strong | Strong | Strong | Sound | Strong | $1,010 | +0.307% | 204 | |
35 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,930 | +0.391% | 195 | |
36 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,225 | +0.461% | 191 | |
37 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,459 | +0.366% | 176 | |
38 | WesBanco Bank, Inc. | Strong | Strong | Strong | Sound | Strong | $1,612 | +0.147% | 144 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,896 | +0.265% | 139 | |
40 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Exceptional | Strong | $1,580 | +0.260% | 119 | |
41 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888 | +0.437% | 2,284 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,949 | +0.626% | 1,311 | |
43 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,939 | +0.361% | 685 | |
44 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,615 | +0.307% | 671 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,204 | +0.498% | 612 | |
46 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,800 | +0.634% | 492 | |
47 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366 | +0.493% | 463 | |
48 | Bank of England | Strong | Sound | Strong | Strong | Strong | $3,142 | +0.499% | 328 | |
49 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,778 | +0.360% | 294 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,920 | +0.395% | 206 |
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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