Safe Rate Rankings
Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Strong* | Exceptional | Exceptional | Exceptional | $2,197Fees | 0.428%Above | 3,600 | |
2 | FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Exceptional | Exceptional* | Exceptional | Exceptional | Strong | $2,314Fees | 0.182%Above | 196 | |
3 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Exceptional | Exceptional | Exceptional | Sound | Strong | $585Fees | 0.460%Below | 358 | |
4 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $1,791Fees | 0.246%Above | 428 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Exceptional | Strong | $3,196Fees | 0.140%Above | 156 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Exceptional | Exceptional | $1,775Fees | 0.513%Above | 746 | |
7 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Strong | Exceptional | $985Fees | 0.356%Above | 1,087 | |
8 | VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | Exceptional | $897Fees | 0.033%Above | 782 | |
9 | INTERLINC MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Exceptional | Strong | Strong | Strong | $2,509Fees | 0.596%Above | 328 | |
10 | GoPrime Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Exceptional | Strong | $1,521Fees | 0.509%Above | 95 | |
11 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,455Fees | 0.463%Above | 3,590 | |
12 | Fifth Third Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | Exceptional | $904Fees | 0.353%Above | 740 | |
13 | Old National Bank BankDirect | Strong | Exceptional | Strong | Strong | Strong | $939Fees | 0.138%Below | 240 | |
14 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Exceptional | $2,178Fees | 0.393%Above | 709 | |
15 | SOUTH CENTRAL BANK, INC. BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,173Fees | 0.186%Above | 455 | |
16 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $2,493Fees | 0.369%Above | 402 | |
17 | The Huntington National Bank BankDirect | Strong | Strong | Exceptional | Strong | Strong | $66Fees | 0.365%Above | 369 | |
18 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Strong* | Exceptional | Sound | Exceptional | $1,997Fees | 0.255%Above | 756 | |
19 | GERSHMAN INVESTMENT CORP. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $1,025Fees | 0.451%Above | 177 | |
20 | Truist Bank BankDirect | Strong | Strong | Strong | Sound | Strong | $1,079Credit | 0.293%Above | 397 | |
21 | Abound Federal Credit Union Credit UnionDirect | Strong | Exceptional | — | Strong | Exceptional | $227Credit | 0.162%Below | 375 | |
22 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $1,632Fees | 0.013%Above | 352 | |
23 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Strong* | Exceptional | Strong | Strong | $1,773Fees | 0.539%Above | 274 | |
24 | REPUBLIC STATE MORTGAGE CO. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | Strong | $2,957Fees | 0.470%Above | 246 | |
25 | Renasant Bank BankDirect & Wholesale | Strong | Sound* | Exceptional | Exceptional | Strong | $2,138Fees | 0.146%Above | 129 | |
26 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,949Fees | 0.626%Above | 1,311 | |
27 | Stock Yards Bank & Trust Company BankDirect | Strong | Strong | Strong | Sound | Exceptional | $879Fees | 0.133%Above | 700 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,800Fees | 0.634%Above | 492 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366Fees | 0.493%Above | 463 | |
30 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $3,164Fees | 0.414%Above | 304 | |
31 | USAA Federal Savings Bank BankDirect | Strong | Strong | Exceptional | Sound | Strong | $1,699Fees | 0.172%Below | 233 | |
32 | Northpointe Bank BankDirect | Strong | Sound | Strong | Strong | Exceptional | $3,158Fees | 0.331%Above | 801 | |
33 | RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,939Fees | 0.361%Above | 685 | |
34 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | Strong | $3,233Fees | 0.618%Above | 131 | |
35 | Guardian Savings Bank BankDirect | Strong | Sound | Sound | Strong | Exceptional | $1,190Fees | 0.159%Above | 756 | |
36 | Magnolia Bank, Incorporated BankDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Exceptional | $1,615Fees | 0.307%Above | 671 | |
37 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,776Fees | 0.551%Above | 604 | |
38 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Strong | $2,920Fees | 0.395%Above | 206 | |
39 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,930Fees | 0.391%Above | 195 | |
40 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,459Fees | 0.366%Above | 176 | |
41 | THE MORTGAGE WAREHOUSE,LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | Strong | $1,580Fees | 0.260%Above | 119 | |
42 | STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888Fees | 0.437%Above | 2,284 | |
43 | Liberty Credit UnionDirect | Strong | Acceptable | Strong | Strong | Exceptional | $1,087Fees | 0.376%Above | 1,083 | |
44 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Exceptional | $2,204Fees | 0.498%Above | 612 | |
45 | Peoples Exchange Bank BankDirect | Strong | Exceptional | Sound | Sound | Strong | $734Fees | 0.036%Above | 165 | |
46 | Republic Bank & Trust Company BankDirect | Strong | Strong | Sound | Sound | Exceptional | $963Fees | 0.190%Above | 534 | |
47 | Bank of England BankDirect | Strong | Sound | Strong | Strong | Strong | $3,142Fees | 0.499%Above | 328 | |
48 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,298Fees | 0.410%Above | 215 | |
49 | Plains Commerce Bank BankWholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,225Fees | 0.461%Above | 191 | |
50 | WesBanco Bank, Inc. BankDirect | Strong | Strong | Strong | Sound | Strong | $1,612Fees | 0.147%Above | 144 |
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.
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.
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.
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.
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.
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.
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.
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #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). 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.