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