# Best VA Mortgage Lenders in Kentucky

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

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

> **Canonical URL:** https://saferate.com/kentucky/best-mortgage-lenders/va-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 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 3,600 | Independent Mortgage Company |
| 2 | FBC MORTGAGE, LLC | 95 | 85 | 87 | 196 | Independent Mortgage Company |
| 3 | U.S. Bank National Association | 89 | 71 | 65 | 1,087 | Bank |
| 4 | Fifth Third Bank, National Association | 89 | 81 | 60 | 740 | Bank |
| 5 | FREEDOM MORTGAGE CORPORATION | 89 | 61 | 63 | 709 | Independent Mortgage Company |
| 6 | VANDERBILT MORTGAGE AND FINANCE, INC. | 89 | 79 | 86 | 156 | Independent Mortgage Company |
| 7 | GoPrime Mortgage, Inc. | 89 | 68 | 91 | 95 | Independent Mortgage Company |
| 8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 88 | 56 | 81 | 746 | Independent Mortgage Company |
| 9 | VICTORY MORTGAGE, L.L.C. | 85 | 67 | 74 | 782 | Independent Mortgage Company |
| 10 | SOUTH CENTRAL BANK, INC. | 85 | 76 | 67 | 455 | Bank |
| 11 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 428 | Independent Mortgage Company |
| 12 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 402 | Independent Mortgage Company |
| 13 | The Huntington National Bank | 85 | 77 | 63 | 369 | Bank |
| 14 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 352 | Independent Mortgage Company |
| 15 | INTERLINC MORTGAGE SERVICES, LLC | 85 | 86 | 68 | 328 | Independent Mortgage Company |
| 16 | KIND LENDING, LLC | 85 | 64 | 67 | 274 | Independent Mortgage Company |
| 17 | REPUBLIC STATE MORTGAGE CO. | 85 | 61 | 80 | 246 | Independent Mortgage Company |
| 18 | Old National Bank | 85 | 93 | 63 | 240 | Bank |
| 19 | GERSHMAN INVESTMENT CORP. | 85 | 65 | 77 | 177 | Independent Mortgage Company |
| 20 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 756 | Bank |
| 21 | Abound Federal Credit Union | 83 | 91 | 62 | 375 | Credit Union |
| 22 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 358 | Credit Union |
| 23 | MOVEMENT MORTGAGE, LLC | 83 | 45 | 81 | 131 | Independent Mortgage Company |
| 24 | Renasant Bank | 83 | 59 | 83 | 129 | Bank |
| 25 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 3,590 | Independent Mortgage Company |
| 26 | Northpointe Bank | 79 | 46 | 67 | 801 | Bank |
| 27 | Stock Yards Bank & Trust Company | 79 | 74 | 58 | 700 | Bank |
| 28 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 304 | Independent Mortgage Company |
| 29 | USAA Federal Savings Bank | 79 | 62 | 58 | 233 | Bank |
| 30 | Paramount Residential Mortgage Group, Inc. | 79 | 40 | 71 | 223 | Independent Mortgage Company |
| 31 | NEWREZ LLC | 79 | 47 | 63 | 215 | Independent Mortgage Company |
| 32 | Flagstar Bank, N.A. | 79 | 56 | 68 | 195 | Bank |
| 33 | Plains Commerce Bank | 79 | 46 | 66 | 191 | Bank |
| 34 | THE LOAN STORE, INC. | 79 | 51 | 75 | 176 | Independent Mortgage Company |
| 35 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 139 | Independent Mortgage Company |
| 36 | THE MORTGAGE WAREHOUSE,LLC | 79 | 57 | 83 | 119 | Independent Mortgage Company |
| 37 | STOCKTON MORTGAGE CORPORATION | 75 | 22 | 65 | 2,284 | Independent Mortgage Company |
| 38 | Mortgage Research Center, LLC | 75 | 34 | 61 | 1,311 | Independent Mortgage Company |
| 39 | RUOFF MORTGAGE COMPANY, INC. | 75 | 38 | 74 | 685 | Independent Mortgage Company |
| 40 | Magnolia Bank, Incorporated | 75 | 30 | 74 | 671 | Bank |
| 41 | UNION HOME MORTGAGE CORP. | 75 | 25 | 79 | 612 | Independent Mortgage Company |
| 42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 33 | 83 | 492 | Independent Mortgage Company |
| 43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 75 | 33 | 85 | 463 | Independent Mortgage Company |
| 44 | T2 FINANCIAL LLC | 75 | 22 | 82 | 294 | Independent Mortgage Company |
| 45 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 206 | Independent Mortgage Company |
| 46 | Truist Bank | 74 | 71 | 60 | 397 | Bank |
| 47 | Bank of England | 74 | 46 | 65 | 328 | Bank |
| 48 | FIRST EQUITY MORTGAGE INCORPORATED | 74 | 61 | 50 | 273 | Independent Mortgage Company |
| 49 | German American Bank | 74 | 66 | 51 | 204 | Bank |
| 50 | WesBanco Bank, Inc. | 74 | 80 | 53 | 144 | Bank |

## 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.