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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 Bank Mortgage Lenders in Louisville/Jefferson County
Updated February 5, 2026
Market Overview
24
Total Lenders
5,557
Total Loans
0.24%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $673 | -0.276% | 70 | |
2 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $946 | +0.160% | 566 | |
3 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,337 | +0.263% | 290 | |
4 | First Harrison Bank | Exceptional | Strong | Strong | Exceptional | $1,071 | +0.089% | 180 | |
5 | Republic Bank & Trust Company | Strong | Strong | Sound | Exceptional | $1,142 | +0.208% | 370 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,285 | +0.442% | 336 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$55 | +0.198% | 228 | |
8 | Truist Bank | Strong | Strong | Strong | Strong | -$3,705 | +0.350% | 199 | |
9 | SOUTH CENTRAL BANK, INC. | Strong | Strong | Strong | Strong | $1,136 | +0.056% | 59 | |
10 | Northpointe Bank | Strong | Sound | Strong | Exceptional | $3,110 | +0.328% | 700 | |
11 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,715 | +0.365% | 406 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,794 | +0.238% | 404 | |
13 | German American Bank | Strong | Strong | Sound | Strong | $802 | +0.218% | 92 | |
14 | The Huntington National Bank | Strong | Strong | Strong | Sound | $123 | +0.342% | 49 | |
15 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,496 | -0.152% | 44 | |
16 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Exceptional | $1,851 | +0.309% | 487 | |
17 | Traditional Bank, Inc. | Strong | Sound | Strong | Strong | $1,017 | +0.218% | 68 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,559 | +0.132% | 64 | |
19 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,888 | +0.140% | 57 | |
20 | Guardian Savings Bank | Strong | Sound | Strong | Strong | $884 | +0.174% | 48 | |
21 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,832 | -0.120% | 70 | |
22 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,082 | +0.384% | 146 | |
23 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $2,839 | +0.347% | 80 | |
24 | First Savings Bank | Sound | Acceptable | Sound | Strong | $677 | +0.289% | 90 |
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.
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