Safe Rate Rankings

Best Mortgage Lenders in Lexington

Updated June 4, 2026

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!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders80

Total Loans5,288

Median Rate Spread0.27%

Lexington Market Insights

Central Bank Trust is Safe Rate's top-ranked lender in Lexington, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Lexington: Bank: Central Bank Trust (#1). Credit union: Commonwealth (#12). Mortgage company: Ark La Tex Financial Services (#5).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Lexington, Central Bank Trust and Peoples Exchange Bank scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #9 in Lexington, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Lexington: Rocket Mortgage (#6) and Stockton Mortgage (#17).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Central Bank & Trust Company BankDirect	Exceptional	Exceptional	Strong	Exceptional	$369Fees	0.129%Below	220
2	Guardian Savings Bank BankDirect	Strong	Sound	Strong	Exceptional	$1,246Fees	0.156%Above	289
3	Stock Yards Bank & Trust Company BankDirect	Strong	Strong	Strong	Exceptional	$750Fees	0.099%Above	142
4	Peoples Exchange Bank BankDirect	Strong	Exceptional	Sound	Exceptional	$812Fees	0.036%Below	99
5	ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	$1,953Fees	0.498%Above	366
6	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	$3,549Fees	0.367%Above	489
7	Republic Bank & Trust Company BankDirect	Strong	Strong	Sound	Exceptional	$744Fees	0.142%Above	138
8	U.S. Bank National Association BankDirect	Strong	Strong	Strong	Strong	$472Fees	0.164%Above	91
9	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	$2,686Fees	0.168%Above	188
10	Old National Bank BankDirect	Strong	Exceptional	Strong	Strong	$1,644Fees	0.241%Below	40
11	PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale	Strong	Exceptional*	Sound	Strong	$2,473Fees	0.052%Below	94
12	COMMONWEALTH Credit UnionDirect	Strong	Exceptional	Sound	Strong	$668Fees	0.114%Below	61
13	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	$885Fees	0.489%Below	39
14	Bank of America, National Association BankDirect	Strong	Strong	Strong	Sound	$1,334Fees	0.147%Below	41
15	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Exceptional	$2,065Fees	0.207%Above	184
16	Fifth Third Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$588Fees	0.304%Above	141
17	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Exceptional	$3,234Fees	0.236%Above	484
18	City National Bank of West Virginia BankDirect	Strong	Strong	Strong	Strong	$52Credit	0.259%Below	45
19	FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	$2,600Fees	0.147%Above	26
20	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$442Fees	0.159%Above	49
21	Truist Bank BankDirect	Strong	Strong	Strong	Sound	$1,343Fees	0.133%Above	26
22	SOUTH CENTRAL BANK, INC. BankDirect	Strong	Strong	Strong	Sound	$1,272Fees	0.082%Above	21
23	Traditional Bank, Inc. BankDirect	Strong	Sound	Strong	Exceptional	$944Fees	0.102%Above	84
24	WesBanco Bank, Inc. BankDirect	Strong	Sound	Strong	Strong	$1,339Fees	0.098%Above	39
25	The Huntington National Bank BankDirect	Strong	Strong	Strong	Sound	$811Fees	0.349%Above	30
26	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,221Fees	0.461%Above	64
27	REPUBLIC STATE MORTGAGE CO. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,963Fees	0.448%Above	62
28	RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Strong	$2,143Fees	0.354%Above	59
29	Bank of England BankDirect	Strong	Acceptable	Strong	Exceptional	$3,075Fees	0.451%Above	156
30	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	$3,281Fees	0.305%Above	33
31	T2 FINANCIAL LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$2,891Fees	0.136%Above	55
32	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	$629Fees	0.061%Above	36
33	MEMBERS HERITAGE Credit Union Credit UnionDirect	Sound	Strong	Sound	Strong	$2,422Fees	0.265%Below	23
34	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$3,451Fees	0.165%Above	100
35	Flagstar Bank, N.A. BankDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$1,782Fees	0.222%Above	38
36	Community Trust Bank, Inc. BankDirect	Sound	Acceptable	Strong	Strong	$1,092Fees	0.090%Above	87
37	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Sound	Sound	Strong	Strong	$1,965Fees	0.240%Above	52
38	Magnolia Bank, Incorporated BankDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$1,646Fees	0.511%Above	22
39	Wells Fargo Bank, National Association BankDirect	Sound	Strong	Sound	Sound	$2,054Fees	0.031%Above	20
40	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$3,073Fees	0.317%Above	92
41	Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,478Fees	0.324%Above	29
42	First Financial Bank BankDirect	Sound	Sound	Strong	Sound	$2,508Fees	0.204%Above	25
43	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Strong	$3,501Fees	0.084%Above	56
44	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$2,091Fees	0.641%Above	38
45	KIND LENDING, LLC Independent Mortgage CompanyWholesale	Sound	Acceptable*	Strong	Sound	$2,093Fees	0.721%Above	25
46	Northpointe Bank BankDirect	Sound	Sound	Strong	Sound	$3,724Fees	0.294%Above	24
47	Ixonia Bank BankDirect	Sound	Mediocre	Strong	Strong	$2,752Fees	0.581%Above	58
48	Whitaker Bank BankDirect	Sound	Acceptable	Strong	Strong	$1,155Fees	0.245%Below	28
49	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$4,193Fees	0.559%Above	23
50	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Sound	Strong	$3,260Fees	0.588%Above	112

❓ Frequently Asked Questions

How are mortgage lenders ranked in Lexington?+

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 Lexington), 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 Lexington?+

Based on 2024 HMDA data, 80 lenders originated a combined 5,288 loans in Lexington. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Lexington?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Lexington is 0.27%. 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 Lexington's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.

⚖️ 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.