# Best Jumbo Mortgage Bank Lenders in Kentucky

**As of:** 2026-06-04

Compare the top banks for Jumbo loans in Kentucky.

> **Canonical URL:** https://saferate.com/local/kentucky/best-mortgage-lenders/banks/jumbo-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:** 229
- **Total Loans:** 45,654
- **Median Rate Spread:** 0.35091150442477875%

## Top Lenders

| Rank | Lender | Safe Rate Score | Pricing | Product | Pull-Through | Place | Avg Fees | Rate Spread | Volume | Type | Channel | Notes |
|------|--------|----------------|---------|---------|--------------|-------|----------|-------------|--------|------|---------|-------|
| 1 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | 88 | 88 | 100 | 76 | 87 | $985 | 0.356% | 1,087 | Bank | Direct | — |
| 2 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | 82 | 90 | 99 | 80 | 60 | $1839 | -0.131% | 103 | Bank | Direct | — |
| 3 | [Central Bank & Trust Company](https://saferate.com/lenders/central-bank-trust) | 81 | 93 | 70 | 75 | 85 | $408 | -0.091% | 321 | Bank | Direct | — |
| 4 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | 80 | 74 | 92 | 70 | 85 | $904 | 0.353% | 740 | Bank | Direct | — |
| 5 | [Truist Bank](https://saferate.com/lenders/truist-bank) | 79 | 76 | 94 | 71 | 77 | -$1079 (Credit) | 0.293% | 397 | Bank | Direct | — |
| 6 | [Stock Yards Bank & Trust Company](https://saferate.com/lenders/stock-yards-bank-trust) | 77 | 74 | 74 | 70 | 92 | $879 | 0.133% | 700 | Bank | Direct | — |
| 7 | [Old National Bank](https://saferate.com/lenders/old-national-bank) | 74 | 61 | 86 | 74 | 74 | $939 | -0.138% | 240 | Bank | Direct | — |
| 8 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | 73 | 49 | 99 | 64 | 81 | $1997 | 0.255% | 756 | Bank | Direct & Wholesale | Pricing may vary depending on whether you work with JPMorgan Chase Bank, National Association directly or with a mortgage broker. |
| 9 | [Guardian Savings Bank](https://saferate.com/lenders/guardian-savings-bank) | 72 | 55 | 69 | 74 | 92 | $1190 | 0.159% | 756 | Bank | Direct | — |
| 10 | [First Financial Bank](https://saferate.com/lenders/first-financial-bank-oh) | 71 | 41 | 82 | 76 | 83 | $1752 | 0.362% | 455 | Bank | Direct | — |
| 11 | [WesBanco Bank, Inc.](https://saferate.com/lenders/wesbanco-bank) | 70 | 67 | 82 | 62 | 70 | $1612 | 0.147% | 144 | Bank | Direct | — |
| 12 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | 69 | 30 | 94 | 76 | 75 | $66 | 0.365% | 369 | Bank | Direct | — |
| 13 | [Republic Bank & Trust Company](https://saferate.com/lenders/republic-bank-trust) | 60 | 75 | 45 | 29 | 89 | $963 | 0.190% | 534 | Bank | Direct | — |
| 14 | [Community Trust Bank, Inc.](https://saferate.com/lenders/community-trust-bank) | 56 | 28 | 42 | 65 | 90 | $895 | 0.162% | 589 | Bank | Direct | — |
| 15 | [Forcht Bank, National Association](https://saferate.com/lenders/forcht-bank-national-association) | 49 | 34 | 41 | 42 | 77 | $929 | 0.319% | 154 | Bank | Direct | — |
| 16 | [First Southern National Bank](https://saferate.com/lenders/first-southern-national-bank) | 49 | 9 | N/A | 59 | 76 | $1326 | 0.360% | 126 | Bank | Direct | — |

## 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 Kentucky.

Our composite Safe Rate Score is derived using a weighted average 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.
## Market Insights

- Us Bank National Association is Safe Rate's top-ranked Jumbo bank in Kentucky, leading on pricing, pullthrough, Jumbo product expertise, and local knowledge.
- There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Kentucky, Central Bank Trust and Bank of America National Association scores highest on Jumbo pricing while Bank of America National Association and Us Bank National Association leads on likelihood to close. That is why we encourage speaking with multiple lenders.


## Frequently Asked Questions

### How are mortgage lenders ranked in Kentucky?

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Kentucky), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

### What is the Safe Rate Score?

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

### How many mortgage lenders are active in Kentucky?

Based on 2024 HMDA data, 229 lenders originated a combined 45,654 loans in Kentucky. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

### What does the rate spread tell me about a lender in Kentucky?

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Kentucky is 0.35%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

### What is HMDA data and why does Safe Rate use it?

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

### Does Safe Rate accept payment from lenders to appear in rankings?

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

### What is the difference between a bank, credit union, and independent mortgage company?

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Kentucky's rankings, all three institution types are evaluated on the same HMDA performance metrics.

## Licensing & Disclosures

Lender rankings and market statistics are created by [Dylan Hall, licensed mortgage loan officer (NMLS #1658740)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by [PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949)](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.