# Best Mortgage Lenders in Lexington

**As of:** 2026-05-22

Compare the top mortgage lenders in Lexington. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/lexington/best-mortgage-lenders


> **📋 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:** 80
- **Total Loans:** 5,288
- **Median Rate Spread:** 0.27337179487179486%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Central Bank & Trust Company | 93 | 93 | 75 | 220 | Bank |
| 2 | Stock Yards Bank & Trust Company | 86 | 74 | 67 | 142 | Bank |
| 3 | Old National Bank | 86 | 84 | 70 | 40 | Bank |
| 4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 84 | 46 | 83 | 366 | Independent Mortgage Company |
| 5 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 188 | Independent Mortgage Company |
| 6 | Peoples Exchange Bank | 84 | 89 | 51 | 99 | Bank |
| 7 | Fifth Third Bank, National Association | 80 | 62 | 62 | 141 | Bank |
| 8 | U.S. Bank National Association | 80 | 75 | 71 | 91 | Bank |
| 9 | PNC Bank, National Association | 80 | 71 | 61 | 49 | Bank |
| 10 | City National Bank of West Virginia | 80 | 61 | 70 | 45 | Bank |
| 11 | Guardian Savings Bank | 78 | 55 | 74 | 289 | Bank |
| 12 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 184 | Bank |
| 13 | Republic Bank & Trust Company | 78 | 75 | 55 | 138 | Bank |
| 14 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 94 | Independent Mortgage Company |
| 15 | Traditional Bank, Inc. | 78 | 48 | 61 | 84 | Bank |
| 16 | COMMONWEALTH | 78 | 92 | 44 | 61 | Credit Union |
| 17 | FBC MORTGAGE, LLC | 78 | 60 | 83 | 26 | Independent Mortgage Company |
| 18 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 489 | Independent Mortgage Company |
| 19 | FREEDOM MORTGAGE CORPORATION | 73 | 55 | 67 | 64 | Independent Mortgage Company |
| 20 | REPUBLIC STATE MORTGAGE CO. | 73 | 45 | 71 | 62 | Independent Mortgage Company |
| 21 | RUOFF MORTGAGE COMPANY, INC. | 73 | 43 | 75 | 59 | Independent Mortgage Company |
| 22 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 52 | Independent Mortgage Company |
| 23 | Bank of America, National Association | 73 | 73 | 75 | 41 | Bank |
| 24 | WesBanco Bank, Inc. | 73 | 58 | 70 | 39 | Bank |
| 25 | The Huntington National Bank | 73 | 61 | 75 | 30 | Bank |
| 26 | Truist Bank | 73 | 70 | 68 | 26 | Bank |
| 27 | MEMBERS HERITAGE Credit Union | 73 | 72 | 42 | 23 | Credit Union |
| 28 | SOUTH CENTRAL BANK, INC. | 73 | 63 | 74 | 21 | Bank |
| 29 | NAVY FEDERAL CREDIT UNION | 71 | 93 | 60 | 39 | Credit Union |
| 30 | STOCKTON MORTGAGE CORPORATION | 68 | 27 | 70 | 484 | Independent Mortgage Company |
| 31 | Bank of England | 68 | 33 | 64 | 156 | Bank |
| 32 | T2 FINANCIAL LLC | 68 | 26 | 86 | 55 | Independent Mortgage Company |
| 33 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 36 | Independent Mortgage Company |
| 34 | LOANDEPOT.COM, LLC | 66 | 48 | 76 | 33 | Independent Mortgage Company |
| 35 | First Financial Bank | 66 | 42 | 72 | 25 | Bank |
| 36 | Northpointe Bank | 66 | 47 | 62 | 24 | Bank |
| 37 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 20 | Bank |
| 38 | Mortgage Research Center, LLC | 63 | 34 | 70 | 100 | Independent Mortgage Company |
| 39 | Community Trust Bank, Inc. | 63 | 28 | 65 | 87 | Bank |
| 40 | LOWER, LLC | 63 | 30 | 71 | 56 | Independent Mortgage Company |
| 41 | Whitaker Bank | 63 | 31 | 66 | 28 | Bank |
| 42 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 38 | Independent Mortgage Company |
| 43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 62 | 26 | 83 | 23 | Independent Mortgage Company |
| 44 | Magnolia Bank, Incorporated | 62 | 37 | 82 | 22 | Bank |
| 45 | USAA Federal Savings Bank | 60 | 54 | 45 | 32 | Bank |
| 46 | NEW AMERICAN FUNDING, LLC | 58 | 22 | 60 | 112 | Independent Mortgage Company |
| 47 | NATIONSTAR MORTGAGE LLC | 58 | 26 | 71 | 38 | Independent Mortgage Company |
| 48 | Flagstar Bank, N.A. | 58 | 40 | 76 | 38 | Bank |
| 49 | Prosperity Home Mortgage, LLC | 58 | 37 | 77 | 29 | Independent Mortgage Company |
| 50 | KIND LENDING, LLC | 58 | 39 | 73 | 25 | 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 Lexington.

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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.