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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 Company Lenders in Lexington
Updated February 5, 2026
Market Overview
35
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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,473 | -0.052% | 94 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,953 | +0.498% | 366 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549 | +0.367% | 489 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,686 | +0.168% | 188 | |
5 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,143 | +0.354% | 59 | |
6 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234 | +0.236% | 484 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,281 | +0.305% | 33 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $3,561 | +0.404% | 14 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,221 | +0.461% | 64 | |
10 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,501 | +0.084% | 56 | |
11 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,891 | +0.136% | 55 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,965 | +0.240% | 52 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $629 | +0.061% | 36 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,777 | +0.306% | 12 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,260 | +0.588% | 112 | |
16 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,077 | +0.326% | 38 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,091 | +0.641% | 38 | |
18 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,478 | +0.324% | 29 | |
19 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,093 | +0.721% | 25 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,193 | +0.559% | 23 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,759 | +0.560% | 19 | |
22 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,293 | +0.316% | 15 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,451 | +0.165% | 100 | |
24 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,196 | +0.447% | 55 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,044 | +0.378% | 26 | |
26 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,073 | +0.317% | 92 | |
27 | REPUBLIC STATE MORTGAGE CO. | Sound | Acceptable | Sound | Sound | Strong | $2,963 | +0.448% | 62 | |
28 | AmRes Corporation | Sound | Acceptable | Sound | Sound | Strong | $3,554 | +0.618% | 30 | |
29 | FBC MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,600 | +0.147% | 26 | |
30 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $6,215 | +0.411% | 21 | |
31 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,782 | +1.199% | 15 | |
32 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $5,619 | +0.509% | 24 | |
33 | TOP FLITE FINANCIAL, INC. | Sound | Acceptable | Sound | Acceptable | Sound | $5,996 | +0.794% | 14 | |
34 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | Sound | $3,368 | +0.346% | 14 | |
35 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,918 | +0.828% | 13 |
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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