Safe Rate Rankings

Best Conventional Mortgage Lenders in Paducah

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders18

Total Loans529

Median Rate Spread0.35%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$1,042Fees	0.104%Below	14
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$847Fees	0.218%Above	40
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$332Fees	0.371%Below	14
4	GERSHMAN INVESTMENT CORP.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,029Fees	0.434%Above	71
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,297Fees	0.647%Above	63
6	Independence Bank of KentuckyBank	Strong	Sound	Strong	Strong	Exceptional	$1,112Fees	0.152%Above	33
7	COMMUNITY BANC MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$1,103Fees	0.070%Above	18
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,296Fees	0.419%Above	42
9	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$2,316Fees	0.477%Above	11
10	Regions BankBank	Strong	Acceptable	Exceptional	Strong	Strong	$801Fees	0.497%Above	35
11	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,258Fees	0.640%Above	29
12	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,714Fees	1.020%Above	49
13	Magnolia Bank, IncorporatedBank	Strong	Acceptable	Strong	Strong	Strong	$1,607Fees	0.331%Above	20
14	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,150Fees	0.422%Above	11
15	Renasant BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,294Fees	0.449%Above	10

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.