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!
Explore Rankings by Type
Overall Rankings
All lenders in Louisville/Jefferson CountyNeed rankings for a different loan product?
By Institution Type
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | Exceptional | Exceptional | $2,085Fees | 0.562%Above | 2,139 | |
2 | VICTORY MORTGAGE, L.L.C. Independent Mortgage CompanyDirect | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,554Fees | 0.281%Above | 300 | |
3 | INTERLINC MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Exceptional | $2,539Fees | 0.618%Above | 355 | |
4 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $3,427Fees | 0.376%Above | 1,372 | |
5 | Liberty Credit UnionDirect | Strong | Strong | Exceptional | Strong | Strong | $1,660Fees | 0.510%Above | 159 | |
6 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Exceptional | $2,052Fees | 0.307%Above | 454 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | Strong | $4,121Fees | 0.131%Above | 199 | |
8 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Sound | Strong | $1,113Fees | 0.125%Above | 160 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | Strong | $1,645Fees | 0.439%Above | 119 | |
10 | Stock Yards Bank & Trust Company BankDirect | Strong | Strong | Strong | Sound | Exceptional | $946Fees | 0.160%Above | 566 | |
11 | Republic Bank & Trust Company BankDirect | Strong | Exceptional | Strong | Sound | Exceptional | $1,142Fees | 0.208%Above | 370 | |
12 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Strong | $2,244Fees | 0.417%Above | 214 | |
13 | Northpointe Bank BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $3,110Fees | 0.328%Above | 700 | |
14 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $1,337Fees | 0.263%Above | 290 | |
15 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,844Fees | 0.542%Above | 202 | |
16 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,082Fees | 0.384%Above | 146 | |
17 | Magnolia Bank, Incorporated BankDirect & Wholesale | Strong | Sound* | Strong | Strong | Exceptional | $1,851Fees | 0.309%Above | 487 | |
18 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Sound | Strong | $1,285Fees | 0.442%Above | 336 | |
19 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $3,578Fees | 0.300%Above | 83 | |
20 | SOUTH CENTRAL BANK, INC. BankDirect | Strong | Strong | Strong | Strong | Strong | $1,136Fees | 0.056%Above | 59 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754Fees | 0.641%Above | 433 | |
22 | INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Sound | $2,527Fees | 0.586%Above | 60 | |
23 | WesBanco Bank, Inc. BankDirect | Strong | Strong | Strong | Strong | Strong | $1,888Fees | 0.140%Above | 57 | |
24 | RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,920Fees | 0.328%Above | 382 | |
25 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,442Fees | 0.302%Above | 163 | |
26 | STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.473%Above | 438 | |
27 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Sound | Strong | $55Credit | 0.198%Above | 228 | |
28 | German American Bank BankDirect | Strong | Strong | Strong | Sound | Strong | $802Fees | 0.218%Above | 92 | |
29 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,931Fees | 0.448%Above | 99 | |
30 | Plains Commerce Bank BankWholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,839Fees | 0.347%Above | 80 | |
31 | First Financial Bank BankDirect | Strong | Sound | Strong | Sound | Exceptional | $1,715Fees | 0.365%Above | 406 | |
32 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Sound | Exceptional | $1,794Fees | 0.238%Above | 404 | |
33 | First Harrison Bank BankDirect | Strong | Strong | Sound | Sound | Exceptional | $1,071Fees | 0.089%Above | 180 | |
34 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $2,069Fees | 0.475%Above | 139 | |
35 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $2,550Fees | 0.351%Above | 82 | |
36 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Sound | $3,042Fees | 0.222%Above | 51 | |
37 | Guardian Savings Bank BankDirect | Strong | Exceptional | Strong | Sound | Strong | $884Fees | 0.174%Above | 48 | |
38 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Strong | $2,383Fees | 0.506%Above | 266 | |
39 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,553Fees | 0.358%Above | 193 | |
40 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Strong | $1,700Fees | 0.434%Above | 143 | |
41 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,753Fees | 0.512%Above | 62 | |
42 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Sound | $1,946Fees | 0.227%Above | 44 | |
43 | THE MORTGAGE WAREHOUSE,LLC Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | Strong | $1,595Fees | 0.247%Above | 124 | |
44 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Sound | $1,592Fees | 0.163%Above | 66 | |
45 | EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,140Fees | 0.450%Above | 59 | |
46 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Strong | $2,687Fees | 0.689%Above | 251 | |
47 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Sound | $2,714Fees | 0.364%Above | 42 | |
48 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Sound | Strong | $2,489Fees | 0.694%Above | 185 | |
49 | EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,603Fees | 0.756%Above | 83 | |
50 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Strong | Sound | $1,937Fees | 0.404%Above | 53 |
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 Louisville/Jefferson County, KY), 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, 133 lenders originated a combined 17,420 loans in Louisville/Jefferson County, KY. 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 Louisville/Jefferson County, KY is 0.34%. 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 Louisville/Jefferson County, KY'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.