# Best Mortgage Lenders in Louisville/Jefferson County, KY

**As of:** 2026-05-21

Compare the top mortgage lenders in Louisville/Jefferson County, KY. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders


> **📋 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:** 133
- **Total Loans:** 17,420
- **Median Rate Spread:** 0.34181679389312974%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | VICTORY MORTGAGE, L.L.C. | 93 | 90 | 73 | 300 | Independent Mortgage Company |
| 2 | Stock Yards Bank & Trust Company | 86 | 74 | 67 | 566 | Bank |
| 3 | Fifth Third Bank, National Association | 86 | 62 | 62 | 290 | Bank |
| 4 | First Harrison Bank | 86 | 76 | 69 | 180 | Bank |
| 5 | Liberty | 86 | 62 | 82 | 159 | Credit Union |
| 6 | Abound Federal Credit Union | 86 | 91 | 62 | 95 | Credit Union |
| 7 | Old National Bank | 86 | 84 | 70 | 70 | Bank |
| 8 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 2,139 | Independent Mortgage Company |
| 9 | Park Federal Credit Union | 84 | 93 | 52 | 144 | Credit Union |
| 10 | U.S. Bank National Association | 80 | 75 | 71 | 336 | Bank |
| 11 | PNC Bank, National Association | 80 | 71 | 61 | 228 | Bank |
| 12 | Truist Bank | 80 | 70 | 68 | 199 | Bank |
| 13 | SOUTH CENTRAL BANK, INC. | 80 | 63 | 74 | 59 | Bank |
| 14 | Northpointe Bank | 78 | 47 | 62 | 700 | Bank |
| 15 | FREEDOM MORTGAGE CORPORATION | 78 | 55 | 67 | 454 | Independent Mortgage Company |
| 16 | First Financial Bank | 78 | 42 | 72 | 406 | Bank |
| 17 | JPMorgan Chase Bank, National Association | 78 | 49 | 70 | 404 | Bank |
| 18 | RUOFF MORTGAGE COMPANY, INC. | 78 | 43 | 75 | 382 | Independent Mortgage Company |
| 19 | Republic Bank & Trust Company | 78 | 75 | 55 | 370 | Bank |
| 20 | VANDERBILT MORTGAGE AND FINANCE, INC. | 78 | 51 | 82 | 199 | Independent Mortgage Company |
| 21 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 83 | 55 | 172 | Independent Mortgage Company |
| 22 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 121 | Credit Union |
| 23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 78 | 46 | 83 | 119 | Independent Mortgage Company |
| 24 | Centra Credit Union | 78 | 41 | 83 | 58 | Credit Union |
| 25 | COMMONWEALTH | 78 | 92 | 44 | 50 | Credit Union |
| 26 | TRANSCEND Federal Credit Union | 78 | 93 | 46 | 47 | Credit Union |
| 27 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 1,372 | Independent Mortgage Company |
| 28 | Magnolia Bank, Incorporated | 74 | 37 | 82 | 487 | Bank |
| 29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 74 | 24 | 85 | 433 | Independent Mortgage Company |
| 30 | PENNYMAC LOAN SERVICES, LLC | 73 | 56 | 63 | 160 | Independent Mortgage Company |
| 31 | THE MORTGAGE WAREHOUSE,LLC | 73 | 57 | 67 | 124 | Independent Mortgage Company |
| 32 | German American Bank | 73 | 66 | 52 | 92 | Bank |
| 33 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 83 | Independent Mortgage Company |
| 34 | Traditional Bank, Inc. | 73 | 48 | 61 | 68 | Bank |
| 35 | WesBanco Bank, Inc. | 73 | 58 | 70 | 57 | Bank |
| 36 | The Huntington National Bank | 73 | 61 | 75 | 49 | Bank |
| 37 | Guardian Savings Bank | 73 | 55 | 74 | 48 | Bank |
| 38 | Bank of America, National Association | 73 | 73 | 75 | 44 | Bank |
| 39 | L & N Federal Credit Union | 71 | 46 | 55 | 196 | Credit Union |
| 40 | STOCKTON MORTGAGE CORPORATION | 68 | 27 | 70 | 438 | Independent Mortgage Company |
| 41 | INTERLINC MORTGAGE SERVICES, LLC | 68 | 38 | 79 | 355 | Independent Mortgage Company |
| 42 | UNION HOME MORTGAGE CORP. | 68 | 22 | 83 | 143 | Independent Mortgage Company |
| 43 | GUILD MORTGAGE COMPANY LLC | 68 | 25 | 83 | 99 | Independent Mortgage Company |
| 44 | T2 FINANCIAL LLC | 68 | 26 | 86 | 62 | Independent Mortgage Company |
| 45 | GUARANTEED RATE, INC. | 66 | 41 | 69 | 66 | Independent Mortgage Company |
| 46 | Wells Fargo Bank, National Association | 66 | 63 | 59 | 64 | Bank |
| 47 | INSPIRE HOME LOANS INC. | 66 | 43 | 75 | 60 | Independent Mortgage Company |
| 48 | BAY EQUITY LLC | 66 | 43 | 65 | 42 | Independent Mortgage Company |
| 49 | AMERIHOME MORTGAGE COMPANY, LLC | 66 | 42 | 55 | 91 | Independent Mortgage Company |
| 50 | USAA Federal Savings Bank | 66 | 54 | 45 | 70 | Bank |

## 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 Louisville/Jefferson County, KY.

Our composite SafeRate Score is derived using an equal, geometric weighting 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. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.