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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 FHA Mortgage Bank Lenders in Lexington
Updated February 5, 2026
Market Overview
15
Total Lenders
5,288
Total Loans
0.27%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Peoples Exchange Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $812 | -0.036% | 99 | |
2 | Guardian Savings Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,246 | +0.156% | 289 | |
3 | Republic Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $744 | +0.142% | 138 | |
4 | Central Bank & Trust Company | Exceptional | Exceptional | Sound | Sound | Exceptional | $369 | -0.129% | 220 | |
5 | Bank of England | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,075 | +0.451% | 156 | |
6 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $750 | +0.099% | 142 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $588 | +0.304% | 141 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $472 | +0.164% | 91 | |
9 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,339 | +0.098% | 39 | |
10 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $442 | +0.159% | 49 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,065 | +0.207% | 184 | |
12 | Traditional Bank, Inc. | Strong | Sound | Sound | Strong | Exceptional | $944 | +0.102% | 84 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,782 | +0.222% | 38 | |
14 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,724 | +0.294% | 24 | |
15 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,752 | +0.581% | 58 |
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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