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