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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 Mortgage Company Lenders in Louisville/Jefferson County
Updated February 5, 2026
Market Overview
47
Total Lenders
10,968
Total Loans
0.45%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $1,554 | +0.281% | 300 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,382 | +0.014% | 172 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,085 | +0.562% | 2,139 | |
4 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,052 | +0.307% | 454 | |
5 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,920 | +0.328% | 382 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $4,121 | +0.131% | 199 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,645 | +0.439% | 119 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,427 | +0.376% | 1,372 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,754 | +0.641% | 433 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,113 | +0.125% | 160 | |
11 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Strong | $1,595 | +0.247% | 124 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,578 | +0.300% | 83 | |
13 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,640 | +0.473% | 438 | |
14 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | $2,539 | +0.618% | 355 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,700 | +0.434% | 143 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,931 | +0.448% | 99 | |
17 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,163 | +0.429% | 91 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,592 | +0.163% | 66 | |
19 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,753 | +0.512% | 62 | |
20 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $2,527 | +0.586% | 60 | |
21 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,714 | +0.364% | 42 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,383 | +0.506% | 266 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,687 | +0.689% | 251 | |
24 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,244 | +0.417% | 214 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $1,844 | +0.542% | 202 | |
26 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,553 | +0.358% | 193 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,442 | +0.302% | 163 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,069 | +0.475% | 139 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,449 | +0.880% | 93 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,394 | +0.510% | 91 | |
31 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,140 | +0.450% | 59 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,954 | +0.267% | 58 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,042 | +0.222% | 51 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,946 | +0.227% | 44 | |
35 | FAIR WAY LENDING LLC | Strong | Acceptable | Strong | Strong | $1,889 | +0.403% | 41 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,489 | +0.694% | 185 | |
37 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $3,596 | +0.703% | 122 | |
38 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Sound | Strong | $2,153 | +0.617% | 102 | |
39 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,603 | +0.756% | 83 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,550 | +0.351% | 82 | |
41 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,937 | +0.404% | 53 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,721 | +0.519% | 41 | |
43 | Farm Credit Mid-America, ACA | Sound | Mediocre | Sound | Strong | $5,292 | +0.498% | 69 | |
44 | Click n' Close, Inc. | Sound | Mediocre | Sound | Strong | $6,490 | +1.530% | 62 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,097 | +0.653% | 57 | |
46 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $3,000 | +1.014% | 39 | |
47 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,119 | +0.462% | 83 |
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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