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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Central Bank & Trust Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $369 | -0.129% | 220 | |
2 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,644 | -0.241% | 40 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,473 | -0.052% | 94 | |
4 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $750 | +0.099% | 142 | |
5 | Peoples Exchange Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $812 | -0.036% | 99 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $472 | +0.164% | 91 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $442 | +0.159% | 49 | |
8 | City National Bank of West Virginia | Exceptional | Strong | Exceptional | Strong | Strong | -$52 | -0.259% | 45 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $885 | -0.489% | 39 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,953 | +0.498% | 366 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,065 | +0.207% | 184 | |
12 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $588 | +0.304% | 141 | |
13 | Republic Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $744 | +0.142% | 138 | |
14 | COMMONWEALTH | Exceptional | Exceptional | Sound | Sound | Strong | $668 | -0.114% | 61 | |
15 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,334 | -0.147% | 41 | |
16 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $811 | +0.349% | 30 | |
17 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,343 | +0.133% | 26 | |
18 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $499 | -0.113% | 12 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549 | +0.367% | 489 | |
20 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $1,246 | +0.156% | 289 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,686 | +0.168% | 188 | |
22 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,143 | +0.354% | 59 | |
23 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,339 | +0.098% | 39 | |
24 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,054 | +0.031% | 20 | |
25 | Civista Bank | Strong | Strong | Strong | Strong | Sound | $169 | +0.309% | 12 | |
26 | Park Federal Credit Union | Strong | Exceptional | Sound | Sound | Sound | $564 | -0.238% | 12 | |
27 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234 | +0.236% | 484 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,281 | +0.305% | 33 | |
29 | First Financial Bank | Strong | Sound | Exceptional | Strong | Sound | $2,508 | +0.204% | 25 | |
30 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,724 | +0.294% | 24 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $3,561 | +0.404% | 14 | |
32 | Traditional Bank, Inc. | Strong | Sound | Sound | Sound | Exceptional | $944 | +0.102% | 84 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,221 | +0.461% | 64 | |
34 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,501 | +0.084% | 56 | |
35 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,891 | +0.136% | 55 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,965 | +0.240% | 52 | |
37 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $629 | +0.061% | 36 | |
38 | SOUTH CENTRAL BANK, INC. | Strong | Sound | Strong | Strong | Sound | $1,272 | +0.082% | 21 | |
39 | GENERAL ELECTRIC CREDIT UNION | Strong | Strong | Sound | Sound | Sound | $1,243 | -0.139% | 18 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,777 | +0.306% | 12 | |
41 | Bank of England | Strong | Acceptable | Strong | Sound | Exceptional | $3,075 | +0.451% | 156 | |
42 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,260 | +0.588% | 112 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,077 | +0.326% | 38 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,091 | +0.641% | 38 | |
45 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,782 | +0.222% | 38 | |
46 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,478 | +0.324% | 29 | |
47 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,093 | +0.721% | 25 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,193 | +0.559% | 23 | |
49 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,759 | +0.560% | 19 | |
50 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,293 | +0.316% | 15 |
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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