🛡️
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 VA 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 | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,085 | +0.562% | 2,139 | |
2 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,539 | +0.618% | 355 | |
3 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,337 | +0.263% | 290 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,052 | +0.307% | 454 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,121 | +0.131% | 199 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $514 | -0.428% | 121 | |
7 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,794 | +0.238% | 404 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,285 | +0.442% | 336 | |
9 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $1,554 | +0.281% | 300 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,244 | +0.417% | 214 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,844 | +0.542% | 202 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,113 | +0.125% | 160 | |
13 | Stock Yards Bank & Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $946 | +0.160% | 566 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,645 | +0.439% | 119 | |
15 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,832 | -0.120% | 70 | |
16 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,592 | +0.163% | 66 | |
17 | SOUTH CENTRAL BANK, INC. | Exceptional | Strong | Strong | Strong | Strong | $1,136 | +0.056% | 59 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,427 | +0.376% | 1,372 | |
19 | Northpointe Bank | Strong | Sound | Strong | Strong | Exceptional | $3,110 | +0.328% | 700 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754 | +0.641% | 433 | |
21 | Republic Bank & Trust Company | Strong | Strong | Sound | Sound | Exceptional | $1,142 | +0.208% | 370 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,442 | +0.302% | 163 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,082 | +0.384% | 146 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,069 | +0.475% | 139 | |
25 | THE MORTGAGE WAREHOUSE,LLC | Strong | Sound | Strong | Exceptional | Strong | $1,595 | +0.247% | 124 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,550 | +0.351% | 82 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,839 | +0.347% | 80 | |
30 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $3,042 | +0.222% | 51 | |
31 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,851 | +0.309% | 487 | |
32 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640 | +0.473% | 438 | |
33 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,920 | +0.328% | 382 | |
34 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,753 | +0.512% | 62 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,954 | +0.267% | 58 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,383 | +0.506% | 266 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,687 | +0.689% | 251 | |
38 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Strong | -$55 | +0.198% | 228 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,553 | +0.358% | 193 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,700 | +0.434% | 143 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,931 | +0.448% | 99 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.510% | 91 | |
43 | Liberty | Strong | Acceptable | Strong | Strong | Strong | $1,660 | +0.510% | 159 | |
44 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,449 | +0.880% | 93 | |
45 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,119 | +0.462% | 83 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,603 | +0.756% | 83 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,721 | +0.519% | 41 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,489 | +0.694% | 185 |
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, KYVA
No credit impact
3-minute process
100% free