🛡️
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 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,554 | +0.281% | 300 | |
2 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $673 | -0.276% | 70 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,382 | +0.014% | 172 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $514 | -0.428% | 121 | |
5 | Abound Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | -$265 | -0.228% | 95 | |
6 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $946 | +0.160% | 566 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,285 | +0.442% | 336 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,337 | +0.263% | 290 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$55 | +0.198% | 228 | |
10 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$3,705 | +0.350% | 199 | |
11 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,660 | +0.510% | 159 | |
12 | Park Federal Credit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $135 | -0.121% | 144 | |
13 | Northpointe Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,110 | +0.328% | 700 | |
14 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,715 | +0.365% | 406 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,794 | +0.238% | 404 | |
16 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,920 | +0.328% | 382 | |
17 | Republic Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,142 | +0.208% | 370 | |
18 | First Harrison Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,071 | +0.089% | 180 | |
19 | German American Bank | Exceptional | Strong | Strong | Strong | Strong | $802 | +0.218% | 92 | |
20 | COMMONWEALTH | Exceptional | Exceptional | Sound | Sound | Strong | $652 | -0.053% | 50 | |
21 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $123 | +0.342% | 49 | |
22 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,496 | -0.152% | 44 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.562% | 2,139 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,427 | +0.376% | 1,372 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,121 | +0.131% | 199 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,645 | +0.439% | 119 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,578 | +0.300% | 83 | |
28 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,559 | +0.132% | 64 | |
29 | Centra Credit Union | Strong | Sound | Strong | Exceptional | Strong | $1,326 | +0.350% | 58 | |
30 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,888 | +0.140% | 57 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,052 | +0.307% | 454 | |
32 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640 | +0.473% | 438 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,754 | +0.641% | 433 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,113 | +0.125% | 160 | |
35 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,163 | +0.429% | 91 | |
36 | SOUTH CENTRAL BANK, INC. | Strong | Sound | Strong | Strong | Strong | $1,136 | +0.056% | 59 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,937 | +0.404% | 53 | |
38 | Guardian Savings Bank | Strong | Sound | Strong | Strong | Strong | $884 | +0.174% | 48 | |
39 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,714 | +0.364% | 42 | |
40 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Exceptional | $1,851 | +0.309% | 487 | |
41 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,539 | +0.618% | 355 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,383 | +0.506% | 266 | |
43 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,244 | +0.417% | 214 | |
44 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,844 | +0.542% | 202 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,553 | +0.358% | 193 | |
46 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,442 | +0.302% | 163 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,082 | +0.384% | 146 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,700 | +0.434% | 143 | |
49 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,069 | +0.475% | 139 | |
50 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,931 | +0.448% | 99 |
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.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Louisville/Jefferson County, KYConventional
No credit impact
3-minute process
100% free