# Best Mortgage Lenders for FHA Loans 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 FHA mortgage lenders in Kentucky across the 4 P's of mortgage shopping: Pricing, Pullthrough, Products, and Place.

## Market Overview

- **Location:** Kentucky
- **Ranking Type:** Best Mortgage Lenders
- **Loan Product:** FHA
- **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 | [SOUTH CENTRAL BANK, INC.](https://saferate.com/lenders/south-central-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 2 | [The Huntington National Bank](https://saferate.com/lenders/the-huntington-national-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 3 | [Peoples Exchange Bank](https://saferate.com/lenders/peoples-exchange-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Strong 😀 |
| 4 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 5 | [Northpointe Bank](https://saferate.com/lenders/northpointe-bank) | Bank | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 6 | [Guardian Savings Bank](https://saferate.com/lenders/guardian-savings-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 7 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 8 | [Republic Bank & Trust Company](https://saferate.com/lenders/republic-bank-trust) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 9 | [WesBanco Bank, Inc.](https://saferate.com/lenders/wesbanco-bank) | Bank | Exceptional 🤩 | Strong 😀 | Strong 😀 |
| 10 | [Stock Yards Bank & Trust Company](https://saferate.com/lenders/stock-yards-bank-trust) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 11 | [Magnolia Bank, Incorporated](https://saferate.com/lenders/magnolia-bank-incorporated) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 12 | [Bank of England](https://saferate.com/lenders/bank-of-england) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 13 | [Old National Bank](https://saferate.com/lenders/old-national-bank) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 14 | [Flagstar Bank, N.A.](https://saferate.com/lenders/flagstar-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 15 | [Plains Commerce Bank](https://saferate.com/lenders/plains-commerce-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 16 | [Renasant Bank](https://saferate.com/lenders/renasant-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 17 | [Central Bank & Trust Company](https://saferate.com/lenders/central-bank-trust) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 18 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 19 | [PNC Bank, National Association](https://saferate.com/lenders/pnc-bank-national-association) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 20 | [German American Bank](https://saferate.com/lenders/german-american-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 21 | [JPMorgan Chase Bank, National Association](https://saferate.com/lenders/jpmorgan-chase-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 22 | [First Financial Bank](https://saferate.com/lenders/first-financial-bank-oh) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 23 | [Traditional Bank, Inc.](https://saferate.com/lenders/traditional-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 24 | [Regions Bank](https://saferate.com/lenders/regions-bank) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |
| 25 | [Wells Fargo Bank, National Association](https://saferate.com/lenders/wells-fargo-bank-national-association) | Bank | Strong 😀 | Sound ☺️ | Sound ☺️ |

## 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/banks/fha-loans)