# Best Conventional Mortgage Lenders in Lexington

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

Compare the top Conventional mortgage lenders in Lexington. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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 | 89 | 94 | 71 | 220 | Bank |
| 2 | Old National Bank | 89 | 84 | 69 | 40 | Bank |
| 3 | Stock Yards Bank & Trust Company | 85 | 74 | 63 | 142 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 91 | Bank |
| 5 | PNC Bank, National Association | 85 | 75 | 63 | 49 | Bank |
| 6 | City National Bank of West Virginia | 85 | 61 | 70 | 45 | Bank |
| 7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 83 | 40 | 74 | 366 | Independent Mortgage Company |
| 8 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 184 | Bank |
| 9 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 94 | Independent Mortgage Company |
| 10 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 489 | Independent Mortgage Company |
| 11 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 188 | Independent Mortgage Company |
| 12 | Guardian Savings Bank | 79 | 51 | 73 | 289 | Bank |
| 13 | Fifth Third Bank, National Association | 79 | 61 | 60 | 141 | Bank |
| 14 | Republic Bank & Trust Company | 79 | 74 | 51 | 138 | Bank |
| 15 | RUOFF MORTGAGE COMPANY, INC. | 79 | 46 | 74 | 59 | Independent Mortgage Company |
| 16 | Bank of America, National Association | 79 | 71 | 67 | 41 | Bank |
| 17 | WesBanco Bank, Inc. | 79 | 52 | 70 | 39 | Bank |
| 18 | The Huntington National Bank | 79 | 63 | 75 | 30 | Bank |
| 19 | Truist Bank | 79 | 71 | 69 | 26 | Bank |
| 20 | Peoples Exchange Bank | 77 | 84 | 48 | 99 | Bank |
| 21 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 39 | Credit Union |
| 22 | STOCKTON MORTGAGE CORPORATION | 75 | 29 | 65 | 484 | Independent Mortgage Company |
| 23 | Civista Bank | 74 | 76 | 76 | 12 | Bank |
| 24 | COMMONWEALTH | 73 | 92 | 41 | 61 | Credit Union |
| 25 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 33 | Independent Mortgage Company |
| 26 | First Financial Bank | 73 | 43 | 71 | 25 | Bank |
| 27 | Northpointe Bank | 73 | 49 | 62 | 24 | Bank |
| 28 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 20 | Bank |
| 29 | NBKC BANK | 73 | 90 | 49 | 12 | Bank |
| 30 | LOWER, LLC | 71 | 33 | 66 | 56 | Independent Mortgage Company |
| 31 | T2 FINANCIAL LLC | 71 | 26 | 77 | 55 | Independent Mortgage Company |
| 32 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 52 | Independent Mortgage Company |
| 33 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 70 | 25 | 80 | 12 | Independent Mortgage Company |
| 34 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 64 | Independent Mortgage Company |
| 35 | SOUTH CENTRAL BANK, INC. | 69 | 56 | 73 | 21 | Bank |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 14 | Independent Mortgage Company |
| 37 | Traditional Bank, Inc. | 68 | 48 | 59 | 84 | Bank |
| 38 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 36 | Independent Mortgage Company |
| 39 | Park Federal Credit Union | 68 | 93 | 43 | 12 | Credit Union |
| 40 | Bank of England | 66 | 28 | 51 | 156 | Bank |
| 41 | NEW AMERICAN FUNDING, LLC | 66 | 26 | 60 | 112 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 38 | Independent Mortgage Company |
| 43 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 38 | Independent Mortgage Company |
| 44 | Flagstar Bank, N.A. | 66 | 34 | 72 | 38 | Bank |
| 45 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 29 | Independent Mortgage Company |
| 46 | KIND LENDING, LLC | 66 | 31 | 66 | 25 | Independent Mortgage Company |
| 47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 66 | 26 | 76 | 23 | Independent Mortgage Company |
| 48 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 19 | Independent Mortgage Company |
| 49 | SWBC MORTGAGE CORPORATION | 66 | 33 | 78 | 15 | Independent Mortgage Company |
| 50 | GENERAL ELECTRIC CREDIT UNION | 64 | 73 | 53 | 18 | Credit Union |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.