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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 Conventional Mortgage Bank Lenders in Louisville/Jefferson County
Updated February 5, 2026
Market Overview
24
Total Lenders
17,420
Total Loans
0.34%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $673 | -0.276% | 70 | |
2 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $946 | +0.160% | 566 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,285 | +0.442% | 336 | |
4 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,337 | +0.263% | 290 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$55 | +0.198% | 228 | |
6 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$3,705 | +0.350% | 199 | |
7 | Northpointe Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,110 | +0.328% | 700 | |
8 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,715 | +0.365% | 406 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,794 | +0.238% | 404 | |
10 | Republic Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,142 | +0.208% | 370 | |
11 | First Harrison Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,071 | +0.089% | 180 | |
12 | German American Bank | Exceptional | Strong | Strong | Strong | Strong | $802 | +0.218% | 92 | |
13 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $123 | +0.342% | 49 | |
14 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,496 | -0.152% | 44 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,559 | +0.132% | 64 | |
16 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,888 | +0.140% | 57 | |
17 | SOUTH CENTRAL BANK, INC. | Strong | Sound | Strong | Strong | Strong | $1,136 | +0.056% | 59 | |
18 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Strong | $884 | +0.174% | 48 | |
19 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Exceptional | $1,851 | +0.309% | 487 | |
20 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,082 | +0.384% | 146 | |
21 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,839 | +0.347% | 80 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,832 | -0.120% | 70 | |
23 | Traditional Bank, Inc. | Strong | Sound | Sound | Sound | Strong | $1,017 | +0.218% | 68 | |
24 | First Savings Bank | Sound | Acceptable | Sound | 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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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Louisville/Jefferson County, KYConventional
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