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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 FHA 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
1	VICTORY MORTGAGE, L.L.C.	Exceptional	Exceptional	Strong	Strong	Exceptional	$1,554	+0.281%	300
2	FREEDOM MORTGAGE CORPORATION	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,052	+0.307%	454
3	Republic Bank & Trust Company	Exceptional	Exceptional	Strong	Sound	Exceptional	$1,142	+0.208%	370
4	INTERLINC MORTGAGE SERVICES, LLC	Exceptional	Strong	Exceptional	Strong	Exceptional	$2,539	+0.618%	355
5	UNITED WHOLESALE MORTGAGE, LLC	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,085	+0.562%	2,139
6	Fifth Third Bank, National Association	Exceptional	Strong	Exceptional	Sound	Exceptional	$1,337	+0.263%	290
7	Prosperity Home Mortgage, LLC	Exceptional	Strong	Exceptional	Strong	Strong	$2,244	+0.417%	214
8	Liberty	Exceptional	Strong	Exceptional	Strong	Strong	$1,660	+0.510%	159
9	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Exceptional	Strong	Exceptional	Strong	Strong	$1,645	+0.439%	119
10	Guardian Savings Bank	Exceptional	Exceptional	Strong	Sound	Strong	$884	+0.174%	48
11	Northpointe Bank	Exceptional	Sound	Exceptional	Strong	Exceptional	$3,110	+0.328%	700
12	Stock Yards Bank & Trust Company	Exceptional	Strong	Strong	Sound	Exceptional	$946	+0.160%	566
13	U.S. Bank National Association	Exceptional	Strong	Exceptional	Sound	Strong	$1,285	+0.442%	336
14	VANDERBILT MORTGAGE AND FINANCE, INC.	Exceptional	Sound	Exceptional	Exceptional	Strong	$4,121	+0.131%	199
15	PENNYMAC LOAN SERVICES, LLC	Exceptional	Strong	Exceptional	Sound	Strong	$1,113	+0.125%	160
16	SOUTH CENTRAL BANK, INC.	Exceptional	Strong	Strong	Strong	Strong	$1,136	+0.056%	59
17	WesBanco Bank, Inc.	Exceptional	Strong	Strong	Strong	Strong	$1,888	+0.140%	57
18	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,427	+0.376%	1,372
19	Magnolia Bank, Incorporated	Strong	Sound	Strong	Strong	Exceptional	$1,851	+0.309%	487
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,754	+0.641%	433
21	PNC Bank, National Association	Strong	Strong	Strong	Sound	Strong	-$55	+0.198%	228
22	KIND LENDING, LLC	Strong	Sound	Exceptional	Strong	Strong	$1,844	+0.542%	202
23	First Harrison Bank	Strong	Strong	Sound	Sound	Exceptional	$1,071	+0.089%	180
24	THE LOAN STORE, INC.	Strong	Sound	Exceptional	Strong	Strong	$1,442	+0.302%	163
25	Flagstar Bank, N.A.	Strong	Sound	Exceptional	Strong	Strong	$2,082	+0.384%	146
26	German American Bank	Strong	Strong	Strong	Sound	Strong	$802	+0.218%	92
27	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Strong	$3,578	+0.300%	83
28	Plains Commerce Bank	Strong	Sound	Exceptional	Strong	Strong	$2,839	+0.347%	80
29	EMM LOANS LLC	Strong	Sound	Exceptional	Strong	Strong	$2,140	+0.450%	59
30	STOCKTON MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,640	+0.473%	438
31	First Financial Bank	Strong	Sound	Strong	Sound	Exceptional	$1,715	+0.365%	406
32	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Sound	Exceptional	$1,794	+0.238%	404
33	RUOFF MORTGAGE COMPANY, INC.	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,920	+0.328%	382
34	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,700	+0.434%	143
35	NEWREZ LLC	Strong	Sound	Exceptional	Sound	Strong	$2,550	+0.351%	82
36	T2 FINANCIAL LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,753	+0.512%	62
37	INSPIRE HOME LOANS INC.	Strong	Sound	Exceptional	Strong	Sound	$2,527	+0.586%	60
38	LOWER, LLC	Strong	Acceptable	Exceptional	Strong	Strong	$1,553	+0.358%	193
39	Paramount Residential Mortgage Group, Inc.	Strong	Acceptable	Exceptional	Strong	Strong	$2,069	+0.475%	139
40	THE MORTGAGE WAREHOUSE,LLC	Strong	Sound	Sound	Strong	Strong	$1,595	+0.247%	124
41	AMERICAN FINANCIAL RESOURCES, INC.	Strong	Acceptable	Exceptional	Strong	Strong	$2,153	+0.617%	102
42	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,931	+0.448%	99
43	Equity Prime Mortgage LLC	Strong	Acceptable	Exceptional	Strong	Strong	$2,449	+0.880%	93
44	AMERIHOME MORTGAGE COMPANY, LLC	Strong	Sound	Strong	Sound	Strong	$1,163	+0.429%	91
45	Traditional Bank, Inc.	Strong	Sound	Sound	Strong	Strong	$1,017	+0.218%	68
46	FIRST COMMUNITY MORTGAGE, INC.	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,946	+0.227%	44
47	Mortgage Research Center, LLC	Strong	Acceptable	Exceptional	Sound	Strong	$2,687	+0.689%	251
48	ENVOY MORTGAGE, LTD	Strong	Acceptable	Exceptional	Sound	Strong	$3,596	+0.703%	122
49	AMERISAVE MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Sound	Strong	$3,119	+0.462%	83
50	FAIR WAY LENDING LLC	Strong	Acceptable	Strong	Strong	Strong	$1,889	+0.403%	41

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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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