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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 Mortgage Company Lenders in Lexington
Updated February 5, 2026
Market Overview
28
Total Lenders
2,897
Total Loans
0.44%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $2,473 | -0.052% | 94 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $1,953 | +0.498% | 366 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,686 | +0.168% | 188 | |
4 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,600 | +0.147% | 26 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,549 | +0.367% | 489 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,221 | +0.461% | 64 | |
7 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Strong | $2,963 | +0.448% | 62 | |
8 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $2,143 | +0.354% | 59 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,965 | +0.240% | 52 | |
10 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,234 | +0.236% | 484 | |
11 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,891 | +0.136% | 55 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $629 | +0.061% | 36 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,281 | +0.305% | 33 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,451 | +0.165% | 100 | |
15 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,501 | +0.084% | 56 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,091 | +0.641% | 38 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,193 | +0.559% | 23 | |
18 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,260 | +0.588% | 112 | |
19 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $3,073 | +0.317% | 92 | |
20 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $4,077 | +0.326% | 38 | |
21 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,478 | +0.324% | 29 | |
22 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,093 | +0.721% | 25 | |
23 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $3,196 | +0.447% | 55 | |
24 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,044 | +0.378% | 26 | |
25 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $6,215 | +0.411% | 21 | |
26 | AmRes Corporation | Sound | Mediocre | Sound | Strong | $3,554 | +0.618% | 30 | |
27 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Sound | $5,619 | +0.509% | 24 | |
28 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $4,619 | +1.519% | 20 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
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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