# Best Mortgage Lenders for USDA 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 USDA 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:** USDA
- **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 | [U.S. Bank National Association](https://saferate.com/lenders/us-bank-national-association) | Bank | Exceptional 🤩 | Strong 😀 | Sound ☺️ |
| 3 | [Fifth Third Bank, National Association](https://saferate.com/lenders/fifth-third-bank-national-association) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 4 | [Magnolia Bank, Incorporated](https://saferate.com/lenders/magnolia-bank-incorporated) | Bank | Exceptional 🤩 | Sound ☺️ | Strong 😀 |
| 5 | [Truist Bank](https://saferate.com/lenders/truist-bank) | Bank | Exceptional 🤩 | Exceptional 🤩 | Sound ☺️ |
| 6 | [Renasant Bank](https://saferate.com/lenders/renasant-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 7 | [German American Bank](https://saferate.com/lenders/german-american-bank) | Bank | Strong 😀 | Strong 😀 | Sound ☺️ |
| 8 | [Guardian Savings Bank](https://saferate.com/lenders/guardian-savings-bank) | Bank | Strong 😀 | Sound ☺️ | Strong 😀 |
| 9 | [Peoples Exchange Bank](https://saferate.com/lenders/peoples-exchange-bank) | Bank | Strong 😀 | Exceptional 🤩 | Sound ☺️ |
| 10 | [Bank of England](https://saferate.com/lenders/bank-of-england) | Bank | Strong 😀 | Acceptable 🙂 | Sound ☺️ |
| 11 | [Ixonia Bank](https://saferate.com/lenders/ixonia-bank) | Bank | Strong 😀 | Mediocre 😐 | Strong 😀 |
| 12 | [Forcht Bank, National Association](https://saferate.com/lenders/forcht-bank-national-association) | Bank | Sound ☺️ | Acceptable 🙂 | Sound ☺️ |
| 13 | [Edmonton State Bank](https://saferate.com/lenders/edmonton-state-bank) | Bank | Sound ☺️ | Mediocre 😐 | 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/usda-loans)