# Best FHA Mortgage Lenders in Lexington

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

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

> **Canonical URL:** https://saferate.com/lexington/best-mortgage-lenders/fha-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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 89 | 61 | 79 | 366 | Independent Mortgage Company |
| 2 | Peoples Exchange Bank | 89 | 95 | 66 | 99 | Bank |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 88 | 52 | 81 | 188 | Independent Mortgage Company |
| 4 | FREEDOM MORTGAGE CORPORATION | 85 | 65 | 62 | 64 | Independent Mortgage Company |
| 5 | REPUBLIC STATE MORTGAGE CO. | 85 | 69 | 81 | 62 | Independent Mortgage Company |
| 6 | Guardian Savings Bank | 83 | 87 | 52 | 289 | Bank |
| 7 | Bank of England | 83 | 45 | 70 | 156 | Bank |
| 8 | Republic Bank & Trust Company | 83 | 84 | 52 | 138 | Bank |
| 9 | FBC MORTGAGE, LLC | 83 | 77 | 82 | 26 | Independent Mortgage Company |
| 10 | WesBanco Bank, Inc. | 80 | 74 | 65 | 39 | Bank |
| 11 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 489 | Independent Mortgage Company |
| 12 | Stock Yards Bank & Trust Company | 79 | 73 | 60 | 142 | Bank |
| 13 | Fifth Third Bank, National Association | 79 | 72 | 58 | 141 | Bank |
| 14 | U.S. Bank National Association | 79 | 65 | 60 | 91 | Bank |
| 15 | Prosperity Home Mortgage, LLC | 79 | 63 | 72 | 29 | Independent Mortgage Company |
| 16 | Central Bank & Trust Company | 77 | 93 | 55 | 220 | Bank |
| 17 | SWBC MORTGAGE CORPORATION | 77 | 42 | 83 | 15 | Independent Mortgage Company |
| 18 | STOCKTON MORTGAGE CORPORATION | 75 | 28 | 67 | 484 | Independent Mortgage Company |
| 19 | T2 FINANCIAL LLC | 75 | 29 | 82 | 55 | Independent Mortgage Company |
| 20 | PNC Bank, National Association | 74 | 62 | 56 | 49 | Bank |
| 21 | JPMorgan Chase Bank, National Association | 73 | 59 | 47 | 184 | Bank |
| 22 | Traditional Bank, Inc. | 73 | 48 | 61 | 84 | Bank |
| 23 | Flagstar Bank, N.A. | 73 | 58 | 71 | 38 | Bank |
| 24 | PENNYMAC LOAN SERVICES, LLC | 73 | 78 | 59 | 36 | Independent Mortgage Company |
| 25 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 33 | Independent Mortgage Company |
| 26 | KIND LENDING, LLC | 73 | 55 | 71 | 25 | Independent Mortgage Company |
| 27 | Northpointe Bank | 73 | 51 | 63 | 24 | Bank |
| 28 | RUOFF MORTGAGE COMPANY, INC. | 71 | 36 | 66 | 59 | Independent Mortgage Company |
| 29 | LOWER, LLC | 71 | 29 | 66 | 56 | Independent Mortgage Company |
| 30 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 52 | Independent Mortgage Company |
| 31 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 38 | Independent Mortgage Company |
| 32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 70 | 22 | 82 | 23 | Independent Mortgage Company |
| 33 | NEWREZ LLC | 68 | 52 | 56 | 26 | Independent Mortgage Company |
| 34 | Mortgage Research Center, LLC | 66 | 34 | 54 | 100 | Independent Mortgage Company |
| 35 | Equity Prime Mortgage LLC | 66 | 22 | 63 | 12 | Independent Mortgage Company |
| 36 | GENEVA FINANCIAL, LLC | 63 | 10 | 85 | 92 | Independent Mortgage Company |
| 37 | CARRINGTON MORTGAGE SERVICES, LLC | 62 | 29 | 56 | 21 | Independent Mortgage Company |
| 38 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 13 | Independent Mortgage Company |
| 39 | Ixonia Bank | 60 | 13 | 76 | 58 | Bank |
| 40 | Luminate Home Loans, Inc. | 60 | 11 | 63 | 55 | Independent Mortgage Company |
| 41 | AmRes Corporation | 57 | 12 | 64 | 30 | Independent Mortgage Company |
| 42 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 57 | 112 | Independent Mortgage Company |
| 43 | NATIONSTAR MORTGAGE LLC | 56 | 13 | 63 | 38 | Independent Mortgage Company |
| 44 | CROSSCOUNTRY MORTGAGE, LLC | 56 | 19 | 69 | 19 | Independent Mortgage Company |
| 45 | TOP FLITE FINANCIAL, INC. | 49 | 16 | 56 | 14 | Independent Mortgage Company |

## 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.