# Best Mortgage Lenders in Kentucky - 2026


> **📋 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


> Compare the top mortgage lenders in Kentucky. Data-driven rankings based on pricing, approval rates, and local market expertise.

## Market Overview

- **Location:** Kentucky
- **Ranking Type:** Best Mortgage Lenders
- **Scope:** All Mortgage Lenders
- **Total Lenders in Market:** 229
- **Total Loan Volume:** 45,654
- **Last Updated:** 2026-02-06

## Top Lenders

| Rank | Lender | Type | Overall | Pricing | Pull Through |
|------|--------|------|---------|---------|--------------|
| 1 | [Liberty](https://saferate.com/lenders/liberty) | Credit Union | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 2 | [VICTORY MORTGAGE, L.L.C.](https://saferate.com/lenders/victory-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 3 | [Abound Federal Credit Union](https://saferate.com/lenders/abound-federal-credit-union) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 4 | [Central Bank & Trust Company](https://saferate.com/lenders/central-bank-trust) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 5 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 6 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 7 | [Stock Yards Bank & Trust Company](https://saferate.com/lenders/stock-yards-bank-trust) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 8 | [SOUTH CENTRAL BANK, INC.](https://saferate.com/lenders/south-central-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 9 | [Old National Bank](https://saferate.com/lenders/old-national-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 10 | [FBC MORTGAGE, LLC](https://saferate.com/lenders/fbc-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Strong 😀 | Exceptional 🤩 |
| 11 | [UNITED WHOLESALE MORTGAGE, LLC](https://saferate.com/lenders/united-wholesale-mortgage) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 12 | [ARK-LA-TEX FINANCIAL SERVICES, LLC.](https://saferate.com/lenders/ark-la-tex-financial-services) | Independent Mortgage Company | Exceptional 🤩 | Sound ☺️ | Exceptional 🤩 |
| 13 | [COMMONWEALTH](https://saferate.com/lenders/commonwealth) | Credit Union | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 14 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 15 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 16 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 17 | [City National Bank of West Virginia](https://saferate.com/lenders/city-national-bank-of-west-virginia) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 18 | [Bank of America, National Association](https://saferate.com/lenders/bank-of-america-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 19 | [Northpointe Bank](https://saferate.com/lenders/northpointe-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 20 | [Guardian Savings Bank](https://saferate.com/lenders/guardian-savings-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 21 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 22 | [FREEDOM MORTGAGE CORPORATION](https://saferate.com/lenders/freedom-mortgage) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 23 | [RUOFF MORTGAGE COMPANY, INC.](https://saferate.com/lenders/ruoff-mortgage-company) | Independent Mortgage Company | Strong 😀 | Sound ☺️ | Strong 😀 |
| 24 | [Republic Bank & Trust Company](https://saferate.com/lenders/republic-bank-trust) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 25 | [First Financial Bank](https://saferate.com/lenders/first-financial-bank-oh) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |

## Lender Profiles

Click on any lender above to view their full Safe Rate profile, including:
- Detailed pricing analysis
- Pull-through rates
- Product specializations
- Safe Rate Awards
- Geographic coverage

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*Rankings provided by Safe Rate based on HMDA data analysis.*
*Data Version: 2024-HMDA | Last Updated: 2026-02-06*

[View interactive rankings on Safe Rate](https://saferate.com/kentucky/best-mortgage-lenders)