Safe Rate Rankings

Best All Lender Mortgage Lenders in Lexington

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders80

Total Loans5,288

Median Rate Spread0.27%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.