🛡️
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 Mortgage Lenders in Louisville/Jefferson County
Updated February 5, 2026
Market Overview
133
Total Lenders
17,420
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $1,554 | +0.281% | 300 | |
2 | Park Federal Credit Union | Exceptional | Exceptional | Sound | Exceptional | $135 | -0.121% | 144 | |
3 | Abound Federal Credit Union | Exceptional | Exceptional | Strong | Strong | -$265 | -0.228% | 95 | |
4 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $673 | -0.276% | 70 | |
5 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $946 | +0.160% | 566 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,337 | +0.263% | 290 | |
7 | First Harrison Bank | Exceptional | Strong | Strong | Exceptional | $1,071 | +0.089% | 180 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,382 | +0.014% | 172 | |
9 | Liberty | Exceptional | Strong | Exceptional | Strong | $1,660 | +0.510% | 159 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $514 | -0.428% | 121 | |
11 | COMMONWEALTH | Exceptional | Exceptional | Sound | Strong | $652 | -0.053% | 50 | |
12 | TRANSCEND Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $233 | -0.322% | 47 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,085 | +0.562% | 2,139 | |
14 | Republic Bank & Trust Company | Strong | Strong | Sound | Exceptional | $1,142 | +0.208% | 370 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,285 | +0.442% | 336 | |
16 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$55 | +0.198% | 228 | |
17 | Truist Bank | Strong | Strong | Strong | Strong | -$3,705 | +0.350% | 199 | |
18 | SOUTH CENTRAL BANK, INC. | Strong | Strong | Strong | Strong | $1,136 | +0.056% | 59 | |
19 | Northpointe Bank | Strong | Sound | Strong | Exceptional | $3,110 | +0.328% | 700 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,052 | +0.307% | 454 | |
21 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,715 | +0.365% | 406 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,794 | +0.238% | 404 | |
23 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,920 | +0.328% | 382 | |
24 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $4,121 | +0.131% | 199 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,645 | +0.439% | 119 | |
26 | German American Bank | Strong | Strong | Sound | Strong | $802 | +0.218% | 92 | |
27 | Centra Credit Union | Strong | Sound | Exceptional | Strong | $1,326 | +0.350% | 58 | |
28 | The Huntington National Bank | Strong | Strong | Strong | Sound | $123 | +0.342% | 49 | |
29 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,496 | -0.152% | 44 | |
30 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,427 | +0.376% | 1,372 | |
31 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Exceptional | $1,851 | +0.309% | 487 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,754 | +0.641% | 433 | |
33 | L & N Federal Credit Union | Strong | Sound | Sound | Exceptional | $354 | +0.007% | 196 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,113 | +0.125% | 160 | |
35 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Strong | $1,595 | +0.247% | 124 | |
36 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,578 | +0.300% | 83 | |
37 | Traditional Bank, Inc. | Strong | Sound | Strong | Strong | $1,017 | +0.218% | 68 | |
38 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,559 | +0.132% | 64 | |
39 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,888 | +0.140% | 57 | |
40 | Guardian Savings Bank | Strong | Sound | Strong | Strong | $884 | +0.174% | 48 | |
41 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,640 | +0.473% | 438 | |
42 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | $2,539 | +0.618% | 355 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,700 | +0.434% | 143 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,931 | +0.448% | 99 | |
45 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,163 | +0.429% | 91 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,832 | -0.120% | 70 | |
47 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,592 | +0.163% | 66 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,753 | +0.512% | 62 | |
49 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $2,527 | +0.586% | 60 | |
50 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,714 | +0.364% | 42 |
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 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Louisville/Jefferson County, KY
No credit impact
3-minute process
100% free