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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 Mortgage Lenders in Lexington
Updated February 5, 2026
Market Overview
80
Total Lenders
5,288
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Central Bank & Trust Company | Exceptional | Exceptional | Strong | Exceptional | $369 | -0.129% | 220 | |
2 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Exceptional | $812 | -0.036% | 99 | |
3 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $1,644 | -0.241% | 40 | |
4 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $750 | +0.099% | 142 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,473 | -0.052% | 94 | |
6 | COMMONWEALTH | Exceptional | Exceptional | Sound | Strong | $668 | -0.114% | 61 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,953 | +0.498% | 366 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,686 | +0.168% | 188 | |
9 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $588 | +0.304% | 141 | |
10 | Republic Bank & Trust Company | Strong | Strong | Sound | Exceptional | $744 | +0.142% | 138 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $472 | +0.164% | 91 | |
12 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $442 | +0.159% | 49 | |
13 | City National Bank of West Virginia | Strong | Strong | Strong | Strong | -$52 | -0.259% | 45 | |
14 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $885 | -0.489% | 39 | |
15 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,600 | +0.147% | 26 | |
16 | Guardian Savings Bank | Strong | Sound | Strong | Exceptional | $1,246 | +0.156% | 289 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,065 | +0.207% | 184 | |
18 | Traditional Bank, Inc. | Strong | Sound | Strong | Exceptional | $944 | +0.102% | 84 | |
19 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,334 | -0.147% | 41 | |
20 | The Huntington National Bank | Strong | Strong | Strong | Sound | $811 | +0.349% | 30 | |
21 | Truist Bank | Strong | Strong | Strong | Sound | $1,343 | +0.133% | 26 | |
22 | MEMBERS HERITAGE Credit Union | Strong | Strong | Sound | Strong | $2,422 | -0.265% | 23 | |
23 | SOUTH CENTRAL BANK, INC. | Strong | Strong | Strong | Sound | $1,272 | +0.082% | 21 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,549 | +0.367% | 489 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,221 | +0.461% | 64 | |
26 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Strong | $2,963 | +0.448% | 62 | |
27 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $2,143 | +0.354% | 59 | |
28 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,965 | +0.240% | 52 | |
29 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,339 | +0.098% | 39 | |
30 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,054 | +0.031% | 20 | |
31 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,234 | +0.236% | 484 | |
32 | Bank of England | Strong | Acceptable | Strong | Exceptional | $3,075 | +0.451% | 156 | |
33 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,891 | +0.136% | 55 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $629 | +0.061% | 36 | |
35 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,281 | +0.305% | 33 | |
36 | First Financial Bank | Strong | Sound | Strong | Sound | $2,508 | +0.204% | 25 | |
37 | Northpointe Bank | Strong | Sound | Strong | Sound | $3,724 | +0.294% | 24 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,451 | +0.165% | 100 | |
39 | Community Trust Bank, Inc. | Strong | Acceptable | Strong | Strong | $1,092 | +0.090% | 87 | |
40 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,501 | +0.084% | 56 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,091 | +0.641% | 38 | |
42 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,674 | -0.169% | 32 | |
43 | Whitaker Bank | Strong | Acceptable | Strong | Strong | $1,155 | -0.245% | 28 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,193 | +0.559% | 23 | |
45 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $1,646 | +0.511% | 22 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,260 | +0.588% | 112 | |
47 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,077 | +0.326% | 38 | |
48 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $1,782 | +0.222% | 38 | |
49 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,478 | +0.324% | 29 | |
50 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,093 | +0.721% | 25 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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