# Best Conventional Mortgage Lenders in Paducah, KY

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Paducah, KY. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/paducah-ky/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 18
- **Total Loans:** 529
- **Median Rate Spread:** 0.3517058823529412%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | U.S. Bank National Association | 85 | 75 | 69 | 40 | Bank |
| 2 | GERSHMAN INVESTMENT CORP. | 83 | 53 | 74 | 71 | Independent Mortgage Company |
| 3 | Old National Bank | 83 | 84 | 69 | 14 | Bank |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 63 | Independent Mortgage Company |
| 5 | Independence Bank of Kentucky | 79 | 55 | 66 | 33 | Bank |
| 6 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 14 | Credit Union |
| 7 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 42 | Independent Mortgage Company |
| 8 | COMMUNITY BANC MORTGAGE CORPORATION | 74 | 67 | 60 | 18 | Independent Mortgage Company |
| 9 | RUOFF MORTGAGE COMPANY, INC. | 73 | 46 | 74 | 11 | Independent Mortgage Company |
| 10 | Regions Bank | 71 | 39 | 64 | 35 | Bank |
| 11 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 29 | Independent Mortgage Company |
| 12 | Magnolia Bank, Incorporated | 67 | 37 | 70 | 20 | Bank |
| 13 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 11 | Independent Mortgage Company |
| 14 | Renasant Bank | 66 | 35 | 77 | 10 | Bank |
| 15 | EVERETT FINANCIAL, INC. | 63 | 13 | 71 | 49 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Paducah, KY.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.