# Best Conventional Mortgage Lenders in Louisville/Jefferson County, KY

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

Compare the top Conventional mortgage lenders in Louisville/Jefferson County, KY. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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. | 89 | 92 | 67 | 300 | Independent Mortgage Company |
| 2 | Old National Bank | 89 | 84 | 69 | 70 | Bank |
| 3 | Stock Yards Bank & Trust Company | 85 | 74 | 63 | 566 | Bank |
| 4 | U.S. Bank National Association | 85 | 75 | 69 | 336 | Bank |
| 5 | PNC Bank, National Association | 85 | 75 | 63 | 228 | Bank |
| 6 | Truist Bank | 85 | 71 | 69 | 199 | Bank |
| 7 | Liberty | 85 | 60 | 80 | 159 | Credit Union |
| 8 | Abound Federal Credit Union | 85 | 91 | 63 | 95 | Credit Union |
| 9 | Northpointe Bank | 83 | 49 | 62 | 700 | Bank |
| 10 | First Financial Bank | 83 | 43 | 71 | 406 | Bank |
| 11 | JPMorgan Chase Bank, National Association | 83 | 52 | 71 | 404 | Bank |
| 12 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 382 | Independent Mortgage Company |
| 13 | Fifth Third Bank, National Association | 83 | 61 | 60 | 290 | Bank |
| 14 | PROVIDENT FUNDING ASSOCIATES, L.P. | 83 | 83 | 55 | 172 | Independent Mortgage Company |
| 15 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 121 | Credit Union |
| 16 | German American Bank | 80 | 65 | 62 | 92 | Bank |
| 17 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 2,139 | Independent Mortgage Company |
| 18 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 1,372 | Independent Mortgage Company |
| 19 | Republic Bank & Trust Company | 79 | 74 | 51 | 370 | Bank |
| 20 | VANDERBILT MORTGAGE AND FINANCE, INC. | 79 | 45 | 68 | 199 | Independent Mortgage Company |
| 21 | First Harrison Bank | 79 | 76 | 63 | 180 | Bank |
| 22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 40 | 74 | 119 | Independent Mortgage Company |
| 23 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 83 | Independent Mortgage Company |
| 24 | Centra Credit Union | 79 | 41 | 80 | 58 | Credit Union |
| 25 | WesBanco Bank, Inc. | 79 | 52 | 70 | 57 | Bank |
| 26 | The Huntington National Bank | 79 | 63 | 75 | 49 | Bank |
| 27 | Bank of America, National Association | 79 | 71 | 67 | 44 | Bank |
| 28 | Park Federal Credit Union | 77 | 93 | 43 | 144 | Credit Union |
| 29 | STOCKTON MORTGAGE CORPORATION | 75 | 29 | 65 | 438 | Independent Mortgage Company |
| 30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 75 | 25 | 78 | 433 | Independent Mortgage Company |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 74 | 44 | 64 | 91 | Independent Mortgage Company |
| 32 | SOUTH CENTRAL BANK, INC. | 74 | 56 | 73 | 59 | Bank |
| 33 | Guardian Savings Bank | 74 | 51 | 73 | 48 | Bank |
| 34 | FREEDOM MORTGAGE CORPORATION | 73 | 41 | 47 | 454 | Independent Mortgage Company |
| 35 | PENNYMAC LOAN SERVICES, LLC | 73 | 42 | 59 | 160 | Independent Mortgage Company |
| 36 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 64 | Bank |
| 37 | PLAZA HOME MORTGAGE, INC. | 73 | 43 | 63 | 53 | Independent Mortgage Company |
| 38 | COMMONWEALTH | 73 | 92 | 41 | 50 | Credit Union |
| 39 | BAY EQUITY LLC | 73 | 46 | 65 | 42 | Independent Mortgage Company |
| 40 | Magnolia Bank, Incorporated | 71 | 37 | 70 | 487 | Bank |
| 41 | INTERLINC MORTGAGE SERVICES, LLC | 71 | 24 | 68 | 355 | Independent Mortgage Company |
| 42 | CROSSCOUNTRY MORTGAGE, LLC | 71 | 21 | 74 | 266 | Independent Mortgage Company |
| 43 | Prosperity Home Mortgage, LLC | 71 | 33 | 71 | 214 | Independent Mortgage Company |
| 44 | KIND LENDING, LLC | 71 | 31 | 66 | 202 | Independent Mortgage Company |
| 45 | LOWER, LLC | 71 | 33 | 66 | 193 | Independent Mortgage Company |
| 46 | THE LOAN STORE, INC. | 71 | 39 | 71 | 163 | Independent Mortgage Company |
| 47 | Flagstar Bank, N.A. | 71 | 34 | 72 | 146 | Bank |
| 48 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 143 | Independent Mortgage Company |
| 49 | Paramount Residential Mortgage Group, Inc. | 71 | 24 | 60 | 139 | Independent Mortgage Company |
| 50 | GUILD MORTGAGE COMPANY LLC | 71 | 25 | 77 | 99 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.