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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 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 | Peoples Exchange Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $812 | -0.036% | 99 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,953 | +0.498% | 366 | |
3 | Guardian Savings Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,246 | +0.156% | 289 | |
4 | Republic Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $744 | +0.142% | 138 | |
5 | Central Bank & Trust Company | Exceptional | Exceptional | Sound | Sound | Exceptional | $369 | -0.129% | 220 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,686 | +0.168% | 188 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,221 | +0.461% | 64 | |
8 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $2,963 | +0.448% | 62 | |
9 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,600 | +0.147% | 26 | |
10 | Bank of England | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,075 | +0.451% | 156 | |
11 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $750 | +0.099% | 142 | |
12 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $588 | +0.304% | 141 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $472 | +0.164% | 91 | |
14 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,339 | +0.098% | 39 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,478 | +0.324% | 29 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549 | +0.367% | 489 | |
17 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $442 | +0.159% | 49 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $629 | +0.061% | 36 | |
19 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $3,293 | +0.316% | 15 | |
20 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234 | +0.236% | 484 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,065 | +0.207% | 184 | |
22 | Traditional Bank, Inc. | Strong | Sound | Sound | Strong | Exceptional | $944 | +0.102% | 84 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,891 | +0.136% | 55 | |
24 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,782 | +0.222% | 38 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,281 | +0.305% | 33 | |
26 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,093 | +0.721% | 25 | |
27 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,724 | +0.294% | 24 | |
28 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,143 | +0.354% | 59 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,501 | +0.084% | 56 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,965 | +0.240% | 52 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,091 | +0.641% | 38 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,044 | +0.378% | 26 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,193 | +0.559% | 23 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,451 | +0.165% | 100 | |
35 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,073 | +0.317% | 92 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,826 | +0.779% | 12 | |
37 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,752 | +0.581% | 58 | |
38 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,196 | +0.447% | 55 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $6,215 | +0.411% | 21 | |
40 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,918 | +0.828% | 13 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,260 | +0.588% | 112 | |
42 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,077 | +0.326% | 38 | |
43 | AmRes Corporation | Sound | Mediocre | Strong | Strong | Strong | $3,554 | +0.618% | 30 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,759 | +0.560% | 19 | |
45 | TOP FLITE FINANCIAL, INC. | Sound | Mediocre | Strong | Sound | Sound | $5,996 | +0.794% | 14 |
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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